If you’re applying and shopping around with a few lenders, your credit score will only be affected once by a hard check in a 30-day period. Put another way, the bureau recognizes that you’re shopping for credit when it sees you applying for the second, third times and won’t keep nibbling away at your credit score.

The bottom line? If you need to shop around, then shop hard and fast because dragging it out over months will negatively affect your score.
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