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Applying for new credit creates what is known as an inquiry on your credit report and multiple credit requests in a short period of time can impact your credit score but there is an exception.
When it comes to shopping for a single loan such as an auto, home, or student loan inquiries made in the 30 days prior to scoring are ignored.
Here’s the bottom line. When searching for a mortgage, auto, or student loan do your homework ahead of time to decide which companies to approach for a quote, but don’t be afraid of getting multiple quotes, just make sure you do your rate shopping in a reasonably short period of time.