f*i
6 楼
还是不合格
http://www.myfico.com/crediteducation/creditinquiries.aspx
What to know about "rate shopping."
Looking for a mortgage, auto or student loan may cause multiple lenders to
request your credit report, even though you are only looking for one loan.
To compensate for this, the score ignores mortgage, auto, and student loan
inquiries made in the 30 days prior to scoring. So, if you find a loan
within 30 days, the inquiries won't affect your score while you're rate
shopping. In addition, the score looks on your credit report for mortgage,
auto, and student loan inquiries older than 30 days. If it finds some, it
counts those inquiries that fall in a typical shopping period as just one
inquiry when determining your score. For FICO scores calculated from older
versions of the scoring formula, this shopping period is any 14 day span.
For FICO scores calculated from the newest versions of the scoring formula,
this shopping period is any 45 day span. Each lender chooses which version
of the FICO scoring formula it wants the credit reporting agency to use to
calculate your FICO score.
credit
【在 a********k 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 每个地方不一样的。我们这边是如果找broker做,一家银行不行再另一家不影响credit
: 。但是自己如果找银行,一家不行再试别家,申请一次降一次credit。
http://www.myfico.com/crediteducation/creditinquiries.aspx
What to know about "rate shopping."
Looking for a mortgage, auto or student loan may cause multiple lenders to
request your credit report, even though you are only looking for one loan.
To compensate for this, the score ignores mortgage, auto, and student loan
inquiries made in the 30 days prior to scoring. So, if you find a loan
within 30 days, the inquiries won't affect your score while you're rate
shopping. In addition, the score looks on your credit report for mortgage,
auto, and student loan inquiries older than 30 days. If it finds some, it
counts those inquiries that fall in a typical shopping period as just one
inquiry when determining your score. For FICO scores calculated from older
versions of the scoring formula, this shopping period is any 14 day span.
For FICO scores calculated from the newest versions of the scoring formula,
this shopping period is any 45 day span. Each lender chooses which version
of the FICO scoring formula it wants the credit reporting agency to use to
calculate your FICO score.
credit
【在 a********k 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 每个地方不一样的。我们这边是如果找broker做,一家银行不行再另一家不影响credit
: 。但是自己如果找银行,一家不行再试别家,申请一次降一次credit。
a*k
7 楼
好复杂,我都让客人自己去找银行谈去了。
【在 f****i 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 还是不合格
: http://www.myfico.com/crediteducation/creditinquiries.aspx
: What to know about "rate shopping."
: Looking for a mortgage, auto or student loan may cause multiple lenders to
: request your credit report, even though you are only looking for one loan.
: To compensate for this, the score ignores mortgage, auto, and student loan
: inquiries made in the 30 days prior to scoring. So, if you find a loan
: within 30 days, the inquiries won't affect your score while you're rate
: shopping. In addition, the score looks on your credit report for mortgage,
: auto, and student loan inquiries older than 30 days. If it finds some, it
【在 f****i 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 还是不合格
: http://www.myfico.com/crediteducation/creditinquiries.aspx
: What to know about "rate shopping."
: Looking for a mortgage, auto or student loan may cause multiple lenders to
: request your credit report, even though you are only looking for one loan.
: To compensate for this, the score ignores mortgage, auto, and student loan
: inquiries made in the 30 days prior to scoring. So, if you find a loan
: within 30 days, the inquiries won't affect your score while you're rate
: shopping. In addition, the score looks on your credit report for mortgage,
: auto, and student loan inquiries older than 30 days. If it finds some, it
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