madasiwannabe

REITs: Insurers Supplant Banks As Lenders

Poncawolf, it doesn't work that way. The only inqueries that count against you are the ones made by you applying for credit. Inqueries by banks before they send you a pre-approved are on a completely different section of your report. What kills your credit is filling out applications when your car shopping and end up not buying. They are looked at as if they were rejections. Another killer is switching credit cards. They stay on your record as lines of credit, even after they are closed. Better to call the company and throw a fit when they bump your rates up. Works every time.