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Shop for a Car Loan Without All Those Inquiries Hurting Your Credit

by Larry Chiang on July 17, 2013

By Larry Chiang When you write a column about consumer credit, the articles just write themselves. Why?! Because none of it makes sense. Specifics. When you shop for a car loan, your credit score goes down. Huh?? Every time you ask, “What’s my car loan rate?!”, the price goes up. I can get into the specific mechanical underworkings. But I won’t. Suffice that I will cut right to the plot spoiler: Get a copy of your consumer credit report and send it as an email file of ten-12 pictures of each page of your credit report. Shop for a Car Loan Everywhere with No Hard Inquiries that Decimate Your FICO Score (VIDEO) yes, I also wrote: What A Super Model Can Teach a Harvard MBA About Credit I am a model because working in credit is insane American Express’ Under-Promoted Credit Truths at Mercedes Benz Fashion Week (MBFW) During summers I take off and get a hobby… My Stanford Engineering video boils down 20,000 hours and moves you to the right on the entrepreneur bell curve Yes, I’m faithfully CEO of Duck9 MIT University EIR (Entrepreneur in Residence) Duck9 = “Deep Underground Credit Knowledge” 9 125 University Avenue/ 100 Palo Alto CA 94301 650-566-9600 650-566-9696 (direct) 650-283-8008 (cell) **************** Editor of the BusinessWeek Channel “What They Don’t Teach at Business School” CNN Video Channel: Read my last 10 tweets at Author, NY Times Bestseller “What They Will NEVER Teach You at Stanford Business School” comes out 11-11-14 52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering Emergency swings and cutting deals as an 9 year old ########## Duck9 is part of UCMS Inc. 630-705-5555 More on #ENGR145’s SHIFTING right on the entrepreneur bell curve

{ 2 comments… read them below or add one }

sarahsmile90 August 16, 2013 at 3:08 pm

If you apply for an auto loan with multiple within a few weeks, this will not impact your credit other than the minimal points for one hard inquiry.

Larry Chiang August 9, 2014 at 12:43 pm

the advice you dispense is as genuinely accurate as the off-the-shelf clip-art you use for your website

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