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Originally Posted by BlueWire
Doesnt matter if they accept or deny you. You get 2 checks of your credit per year. Anything after that brings down your score
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I think the one acception to that is if you are shopping for mortgages. You have like a two week window to comparison shop and it will only count as 1 hit.
Or that is what I was told last spring when I bought my house. I hope it's true, because I checked at about 15 places. ;)