Does Refinancing Hurt Your Credit Score

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How does refinancing affect my FICO score? What about if I. – How does refinancing affect my FICO score? What about if I modify the terms of my loan? Refinancing and loan modifications can affect your FICO® score in a few areas. How much depends on whether it’s reported to the credit bureaus as the same loan with changes or as an entirely new loan.

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Refinancing might substantially improve your financial situation. If it means your score goes down temporarily, should you not refinance? The whole point of having good credit is to take advantage of the benefits – in particular, the ability to get better loans (although it can also help with insurance costs, renting, and job searches).

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It’ll stay on your credit report for two years, but only affect your scores for the first 12 months. The credit inquiry alone won’t necessarily lower your credit score, but if you’re constantly refinancing and/or applying for other types of new credit, the inquiries could add up to a point where they’re deemed unhealthy.

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Does Cancelling Credit Cards Hurt Your Credit. – How cancelling a credit card hurts your credit score. If you are considering cancelling a credit card (closing the account), there are two ways this action could affect your credit history and credit score.

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