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Long story short I have 8 hard pulls from buying a house, re-financing another house, re-fi student loans fall of 2020, and 2 credit cards (for airline miles). Good news is that 6 HPs will fall off this October of 2022. I am wanting to finance a car soon. $40,000 loan, and my credit union pulls Experian (where I have the 8 HPs).
Other than that my credit history is pretty much solid. Score currently is 773 (EX), excellent income, credit cards debt ratio 1-9%, you know the drill. Do u think i'll get denied? or do you recommend waiting until October?
I think it's best for you to wait until October to reduce the chances of you getting rejected. ![]()
You should be fine to apply now. 8 inquiries from 2020 should not be an issue at all. As long as you have the income , I don't see any issues with applying now .
@SuperKirby wrote:Long story short I have 8 hard pulls from buying a house, re-financing another house, re-fi student loans fall of 2020, and 2 credit cards (for airline miles). Good news is that 6 HPs will fall off this October of 2022. I am wanting to finance a car soon. $40,000 loan, and my credit union pulls Experian (where I have the 8 HPs).
Other than that my credit history is pretty much solid. Score currently is 773 (EX), excellent income, credit cards debt ratio 1-9%, you know the drill. Do u think i'll get denied? or do you recommend waiting until October?
I don't see any issue with it at all really
If I can get approved for a $56k loan with a less than 5% rate with 10 inqs on EX from 2020-2021 and a Ch 13 BK that had been discharged for one whole week with scores in the 640 range I'd think you'd be fine.
8 inquiries an hour ago wouldn't be a problem. You're fine.








I got a 140k auto loan with about 29 inq.... you'll be fine tbh.
Creditplz, wow, what was your % rate?
Yeah, don't sweat the small stuff. Inqs have little to do with obtaining auto loans. Just financed two vehicles through two different lenders the same week. Both just reported on my CRs this month. Didn't lose a single point. Good luck, though you don't even need it to be honest. 😉
As much money as banks and dealers are earning off these inflated auto prices. A family pet could probably get an auto loan right about now.🤣