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Here it is..
An inquiry is a notation in your credit history that indicates someone was looking at your report.
There are two types of inquiries: soft and hard. Soft inquiries do not impact your credit standing-they occur when your credit report is checked by you, a prospective employer, or for the purpose of pre-selected credit card offers.
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Should You Email Your Members?
Link1 | Link2 | Link3
Enough Said. 
"Would you rather live like a king for a year or like a prince forever?"
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