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Thursday, March 8, 2007
The Truth About Credit Inquiries
So the credit "experts" say that multiple like kind (auto, mortgage, etc.) all pulled
within a 30 day period will not hurt your FICO score, thus they will not effect your chances of getting credit, since they
will all be treated like a single inquiry.
I'll keep this short.
They are WRONG!
In a
perfect world yes it would work that way.
It all depends on how the creditor codes the credit pull. If they have
multiple systems they might route the pull to the wrong department. It could be coded as a auto inquiry or a general applied
for credit inquiry.
Another not so fun consequence is something called a "human review". A lot of lenders
are doing this now. They are actually having a human review your credit file and when they see the multiple inquiries they
get scared and think you are taking on too much and decline you.
I have seen both happen first hand.
What
can you do? First pull your credit yourself (this will not generate a hard inquiry, thus not effecting either of the above)
at www.FICO.com. You will get your score with the report. Now shop your credit around with this knowledge.
Call up the lender
and say what kind of rate can you offer me with a score of XYZ. Do not let them pull your credit. If they will not say release
the info without that info then research what their rate range is and where your credit lays within the range.
Monday, March 5, 2007
I saved $5... and it felt great!
I love when a new business comes to town! CVS
is here now. It used to be Savon. Savon
was kinda run down and dirty. If I had to go there I would have to wait for what seemed like forever till someone could check
me out. So I didn't really venture into CVS. Then came the Sunday Paper. Sticking
out of the top was a coupon, could have been cold hard cash the way I smiled when I saw it. It read $5 off a $15 purchase
or 33% off a $15 purchase. Now the way I shop is that I wait till a really good sale and then use the coupon, it's like
hitting the lottery twice! Double dipping at it's best. Triple dipping is
waiting for a sale, using a coupon and then sending in for a rebate. Quadruple
dipping is sale, coupon, online rebate, and then mail in rebate. At this point it's normally free or better. The best
is a home run... sale, coupon, mail in rebate, online rebate, and then you sell the item! Oh my!
So anyways today
I saved $5. I was happy with that. I needed what I purchased, it was on sale and I saved that $5.
Next time I need
to fill a prescription I'll leave with the medicine
and a $30 gift card too! Thanks CVS!!!
10:01 am pst
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Hi! I'm Heather Reese, founder of the No Excuse Budget
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