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08-20-2007, 02:38 AM
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Yes and no. Every time you apply for credit, the company will run a credit check on you. Credit checks do reduce your score slightly. If you go and apply once every 3 or 6 months, no biggie. If you apply 3 times a month, your score will be hurt.Also, if you are shopping for home loans and car loans, the credit bureaus assume you will check multiple sources for funding, so they will treat all checks for those loans within a certain time frame as 1 credit check. I believe for a mortgage it's 30 days and for car loans it's 7 days.  |
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