No The more established your credit is, the less your score will be affected, if at all When scores are slightly affected, it only temporary & bounces back quite quick

Make payments on time Use less than 35% of your total limit Increase your number of trade lines in which you can manage Increase credit history length Use different types of credit Pay down high interest debt with low interest debt – I.E Your “Mortgage”

Use the 2-2-2 rule 2 trade lines $2,000 limit each 2 years each minimum Use each credit line & try not to carry 40% or more of your limit month over month without paying it down

With our pre-approvals, we only pull your credit one time to ensure maximum credit. Credit reporter will also allow you to have a certain number of hard pulls per individual each calendar year, without hurting your overall credit score. Checking your credit will not negatively affect your score unless you already have underlining credit concerns like late or missed payments. In this case, your score will still not be impacted, and we can work with you to help establish stronger credit practices for your future. Read More