The Truth About Multiple Inquiries and Your Credit Score #shorts

So, you've probably heard this myth: Credit checks are gonna wreck your credit score! You're out there, chasing the best rates, but you're worried these checks are gonna drag your score down. Well, we're here to clear the air!

Here's the real deal: The FICO score algorithm actually counts multiple inquiries as just one. The old FICO model had a 14-day window for mortgage shopping that didn't ding your credit score, and the new model? It's even better, stretching that period to 45 days! As long as you're playing within that timeframe, the FICO score algorithm is totally cool with it! Plus, those inquiries? They disappear from your account after two years, and your credit score bounces right back!

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