True! The lender will check your score; however, this thought process could be damaging your score. Having your credit pulled multiple times and not opening an account or even worst, being denied, can put a severe dent in your credit score.
Having your credit pulled multiple times and being denied means that multiple creditors aren't willing to lend you money, which does negatively effect your credit.
If you already know your score, you can ask lenders what is the minimum score they accept and you can make the decision on whether or not to proceed in opening an account. Your credit won’t be pulled and you won’t be denied if your score is at or below the minimum.
You have the power of your credit. Furthermore, sharing your score with the lender may aid them in finding you a better fitting credit card or loan.
Also, if you currently have bad/fair credit, that’s okay too. Working with a banker can help you obtain better credit in the future.
Learning how to manage your credit is like riding a bike. You may fall off, but once you have a handle on it, it’s smooth riding.
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