Soft Credit Inquiries:

It's a common misconception that any credit check lowers your score, but applying for ten credit cards in a week is going to negatively impact your credit, but a soft credit check by a potential employer will do nothing to your score. A soft credit checks provide limited information to whoever is conducting it and does not count as a full credit inquiry like one that would be performed by a creditor or lender.

Income:

Income only partially determines how much credit you are granted for loans and credit cards, but your income itself has no bearing on your credit standing. The only time your income will impact on your credit score is when it does not meet your spending habits. If you spend more than your earn, you will see your credit score suffer. With so many people crippled by debt, foreclosures and unemployment, it's nice to know there are a few things that won't impact your credit.

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