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Garden or keep building?

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Remedios
Credit Mentor

Re: Garden or keep building?


@Rogue46 wrote:

I always thought car buying and house buying multiple pulls were looked at as one?


For scoring purposes only. 

Message 11 of 15
Anonymous
Not applicable

Re: Garden or keep building?

It was the first time I went trough the car buying process. Let just say multiple lessons were learned. But at the time, I thought the same thing as Rogue. 5 HPs or 100 HPs, it'll just count as one. But the HPs are the only difference in my reports, resulting in a significant scoring difference. 

Message 12 of 15
UncleB
Credit Mentor

Re: Garden or keep building?


@Remedios wrote:

@Rogue46 wrote:

I always thought car buying and house buying multiple pulls were looked at as one?


For scoring purposes only. 


+1

 

The FICO algorithm will count them as one, but an inquiry-sensitive lender will see them all and can still consider them individually.

Message 13 of 15
Anonymous
Not applicable

Re: Garden or keep building?

What's a pre-qual site?

Message 14 of 15
Remedios
Credit Mentor

Re: Garden or keep building?


@Anonymous wrote:

What's a pre-qual site?


Some lenders allow you to see if you pre-qualify for any of their cards based on SP. 

For the most part, lack of pre-qualification does not mean one would not be approved, nor does pre-qualification guarantees approval. 

 

 

 

 

Message 15 of 15
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