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We had an individual who had her credit pulled 21 times within a period of a couple weeks and it definitely hurt her credit. My advice is, if shopping for rates, tell them your credit score and ask them what their rate would be. Then when its time, go to the one that best fits you. If they tell you they cant give you a rate unless they pull your report, thats BS. We tell our customers what the base rate is ahead of time so they can shop and compare.
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