Here’s how you can get multiple credit pulls without harming your score.
Will pulling your credit more than once harm your score? Yes, it might, but only if you aren’t careful.
According to the Consumer Financial Protection Bureau (CFPB), there is a shopping window. This window lasts 45 days, in which you can have your credit pulled by multiple banks to get quotes, and it won’t affect your score. However, it is still affected by the first pull.
So don’t be afraid to shop; it’s crucial to shop for the best deal possible. Also, make sure you’re comfortable working with whomever you choose. Just make sure you stop having your credit pulled within those 45 days.
If you have further questions about the 45-day window or anything else concerning lending, reach out to me via phone or email. I would be glad to speak with you.