Quote:
Originally Posted by gt350mike
I'm not sure if the system has changed since the bailouts, but be careful with the credit applications. If you submit multiple credit applications, it will have a negative impact on your FICO.
Outside of hanging up on the companies that continue to call, just tell them you've already re-financed.
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This is a myth, pushed by brokers so you won't shop around. As long as you are doing the credit application for the same thing, it will not affect your FICO score.