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What is the proper way to shop around for credit and auto loans? - That could lease negatively impact my credit score.
Should I do it all at once in a time period. Or, should I inquiry once.. ?wait and so on...
You have 30 days from the first pull to shop around and it will only count as one inquiry...
Welcome to the forum
Car loans
Try your best to walk into the dealership with your own pre-approved financing so they don't shop your loan amount around with 5 different lenders for 5 different HP's
CC's do your research and know that the card is right for you and your long term needs....
In other words don't go wild and 3 months later wish you had gotten the cards that you would use and be rewarded from vs cards you don't or won't use
If at all possible do all your shopping for CC's and auto about the same time so the INQ's all age together but get the auto loan first for the best rates at the lowest APR because any INQ's will lower scores for a thin file...thicker file it may not affect
Thank You!
@Anonymous wrote:You have 30 days from the first pull to shop around and it will only count as one inquiry...
Awesome, this helped!
I did read a book about buying a car and they did mention what you said about being pre approved.. That is why i was shopping around for an auto loan
but i guess a 3
@myjourney wrote:Welcome to the forum
Car loans
Try your best to walk into the dealership with your own pre-approved financing so they don't shop your loan amount around with 5 different lenders for 5 different HP's
CC's do your research and know that the card is right for you and your long term needs....
In other words don't go wild and 3 months later wish you had gotten the cards that you would use and be rewarded from vs cards you don't or won't use
If at all possible do all your shopping for CC's and auto about the same time so the INQ's all age together but get the auto loan first for the best rates at the lowest APR because any INQ's will lower scores for a thin file...thicker file it may not affect
month old secured credit card is still Not enough history
THanks!
Sorry not month ... i meant 12 month