Linked Questions

60
votes
5answers
18k views

Should I worry about having my credit pulled multiple times while car shopping?

I went to a dealership today and they pulled my credit after a test drive. I've heard that as long as you get your credit pulled for an auto loan within a few days, multiple pulls will only count as ...
44
votes
5answers
14k views

Going house hunting next week and my credit score just dropped by 100+ points

My wife and I (usually) have excellent credit. TransUninion had me at 790 and other agencies well into the 800s. Our lenders have already prequalified us for our home, and sent the ratings they got ...
10
votes
5answers
3k views

Should I lower my student loan payments to keep my account open (and credit score up)?

I am looking to buy a house within the next year or two. My issue is that I have a little under $2k in student loans. I could pay that off at any time and the interest is barely $2 per month. I ...
5
votes
3answers
11k views

Does a declined request to increase my credit limit hurt my credit score?

If I’m eligible for a line of credit increase request on my credit card, request one, but am declined one, does it hurt my credit score? If it can hurt my credit score, is it situational or does it ...
2
votes
7answers
7k views

Credit score goes down substantially after paying off student loan

My credit score was about 800, according to my bank, which gives it to me for free on their website. I still had several years on my student loan, but I paid it off a few months ago. A couple of ...
1
vote
4answers
364 views

Credit score dropped 73 points after applying for a new card?

Why did my credit score drop from a 762 to a 689? According to creditkarma I got hit with: JPMCB-Card Service: Opening a new account can temporarily lower your score because it adds a hard inquiry ...
0
votes
3answers
161 views

Auto loan finance for building credit

I recently moved to the USA and I have no credit history. I want to buy a car that costs $18,300. My down payment will be $12,000 and I will finance the balance at 15.4% (extremely high!) over 36 ...
1
vote
1answer
888 views

Excessive Credit Check from Comcast

I used to be a customer of Comcast, but left them a long time ago for another ISP. When I started doing business with Comcast, they performed a credit check on me. At that time, I had no issue with it ...
4
votes
2answers
206 views

Is it possible to find out how much of a mortgage I could be approved for without affecting credit report?

I'm casually exploring the option of selling my house and buying a condo. I bought my house 15 years ago, and it's been a money pit, so my credit score has gone down a bit. I'm not really ready to ...
2
votes
1answer
177 views

“The number of inquiries was also a factor, but effect was not significant”

I monitor my (Experian) credit and see some factors are helping and some factors are hurting my score, which is borderline "Excellent". Of the 9 line items reported, one is, "The number of inquiries ...
2
votes
1answer
199 views

Removed late payment, score went down

I'm in the process of securing a mortgage. My mortgage lender pulled my credit score approximately a month ago and it came back at 695 which was lower than it has been in the past. We assumed it was ...
0
votes
3answers
237 views

Shopping for a car resulted in many hard inquiries within a short time frame. How to fix?

I was shopping around for a car, and in the process I was shopping for car loans. I finally bought a car within a couple weeks, but it resulted in many hard inquiries on my credit report (at least for ...
4
votes
3answers
109 views

Will hard pull affect my credit score even if I don’t currently have one?

Background I’m an international student who is currently on OPT I just received my SSN 2 months ago I have never applied for any credit card at any bank in America I don’t have any student loan or ...
5
votes
2answers
128 views

Getting updates when my credit report is accessed

I have a subscription to one of those ID protection services. Not because I paid for it, but because someone lost my personal information and sprung for it for a couple of years. I've read somewhere ...
1
vote
1answer
89 views

What is the expected effect to credit of refinancing my student debt?

I have $20K in student loans across 8 accounts at 3 lenders dating back from 2004-2009 here in the USA. The average interest rate is around 6%. I can likely get a fixed rate around 3.5% if I refinance,...

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