Discover how pre-approved credit offers affect your credit score, including the difference between soft and hard inquiries ...

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New data from the Federal Reserve Bank of New York found that auto loan approval rates are dropping for U.S. buyers. Of those who applied for auto loans in October 2025, 15.2% — or more than 1 in 10 — ...

Jeanine Skowronski is an editor, writer, and journalist with more than 15 years of experience in personal finance and business, including roles at Bankrate, CreditCards.com, and Policygenius. Her work ...

Pre-approved credit offers are a common feature of today’s financial landscape, often arriving as enticing letters, emails, or messages promising easy access to credit. While these offers can open ...