Does soft inquiry hit your credit report? If I’m applying for a job and if they do credit check (which nowadays I think most of the employers do), will it be a soft inquiry?

I want to consolidate some of my debts and settle some other credit card accounts. Can any debt relief company help me to do so?

I couldn’t pay my rent last 2 months. Now, my landlord hasn’t said anything yet. He is on a vacation in Iowa. But, he will return soon. What options do I have? I can pay only one month’s rent.

If I move out, is it possible to close my bank account online? Will they transfer the money to my new account?

How frequently should one check one's credit report before buying a home?

My friend Melisa has asked me to help her to decide about a good debt settlement offer. Is there any way to calculate it or does it entirely depend on the creditor?

I have heard that FICO has started its new model FICO 9. What changes have they made on its credit scoring system?

Also, how will I know a lender will check score from which company? I have seen that credit scores differ from one to another. Also, one lender checks credit scores from one bureau while another lender from another bureau. Why this is so? How will I know which lender will check scor from which bureau?