The tax deductions allow you to choose the type of deduction that suits you. Standard deduction or itemized deduction, whichever can reduce the taxable income.
The creditor company can request to make credit inquiries to check your credit report. From viewing credit files to counting credit requests, all lies under credit inquiries.
Refinancing a personal loan can be a good idea if the new loan has favorable terms and conditions. Like lesser APR or reduced monthly payment and a longer period of payment.