Hard inquiries are generally from some creditor or institution that is checking your credit for some reason. Some examples are banks, credit card companies, car dealers, apartments, employer credit checks, or retail stores.

Think of any institution that asks for your so...

Running a business isn’t easy. Taking care of customers is difficult enough, but there’s a whole dimension to your business that customers never even see. Inventories need to be restocked, equipment needs to be repaired and upgraded, and staff needs to be paid. There’s...