Wargil

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Member Since: April 2012

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Hard Inquiries and Soft Inquiries

Sep 07, 2013
Helpful to 0 out of 1 people

Multiple hard credit inquiries for home or auto loans in a 30 or 45 day period only count as one, so whether you check 5 or 10 banks for a home loan in a week, your credit score is only affected as if you checked 1. The reason for that is because you're generally only buy one home or car at a time, and so you can get the best deal.