Credit repair

What is hard inquiry and soft inquiry? I came across these terms when I was trying to view my credit score online. How does each of them affect my credit score?

I want to purchase a house, but I do not have much money with me. I am in a stable job for last 3 years. I want to know if I can apply for loan from bank to purchase the property, and in that case what can I show as a guarantee to the bank against my loan amount?

I have a credit card with credit limit up to 4000 and I have recently made a purchase of 450 on that credit card. So would my credit score get affected if I pay my credit card before the due date?

If a credit card judgement is filed against me and they put a lien against my bank account,which I plan on closing, do I need to worry about my safety deposit box?

I have several credit card debts which I have incurred in my college life. Now I want to pay them off and repair my credit. I am thinking of getting help from a debt consolidation company. Can you suggest me which debt consolidation company will be trustworthy?

I have 3 payday loans which are now in collections. Collection agency is threatening me to seize my property. I live in California. My pdl companies are as follows:
Sigma 200
YellowDale 240
Ameriloan 150
Can they do that? How can I prevent them from doing this?

I want to repair my credit score. My score is 597. I have two collection accounts on my credit report. I want to remove this. But my creditors haven’t agreed to remove them. How can I improve my credit score?

Someone calls me at my work everyday and use very slang language. I asked him many times what he wants. But he doesn’t give any reply. I also asked him to stop making phone calls at my workplace. It is really very embarrassing for me in front of my boss and other colleagues. How can I get rid of this harassment?

I have taken out a title loan about 3 years ago. I was not able to payback the debts in full. Now my lender is threatening me to file a lawsuit against me and garnish my wages. What can I do? I came to know that if SOL period has expired, the lender can’t take any legal action. Is it applicable for me also?

I have two credit card debts which are now in collections. I don’t know which collection agency is holding my account now. I have tried to contact with my creditors regarding this issue. But no one is willing to give me any information about the collection agency. Now what can I do to get this information?