How does FICO create my credit score?

Mar 23, 2021 Matt Prewett
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One of the most common concerns I hear from Home Buyers is fear that their credit score might be significantly lowered by a lender (or multiple lenders) pulling their credit reports. While it’s true that a “hard inquiry” by a lender will affect credit score, understanding how FICO treats credit inquiries can help give better perspective to whether these concerns are relevant.

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