{"id":1438,"date":"2013-07-17T21:22:30","date_gmt":"2013-07-18T01:22:30","guid":{"rendered":"https:\/\/www.duck9.com\/?p=1438"},"modified":"2013-07-17T21:30:47","modified_gmt":"2013-07-18T01:30:47","slug":"shop-for-a-car-loan-without-all-those-inquiries-hurting-your-credit","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/shop-for-a-car-loan-without-all-those-inquiries-hurting-your-credit\/","title":{"rendered":"Shop for a Car Loan Without All Those Inquiries Hurting Your Credit"},"content":{"rendered":"<p>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, &#8220;What&#8217;s my car loan rate?!&#8221;, the price goes up.  I can get into the specific mechanical underworkings. But I won&#8217;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)  <embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/Znzo8rmSnwQ&#038;hl=en&#038;fs=1' \/>   yes, I also wrote: What A Super Model Can Teach a Harvard MBA About Credit <a href=\"https:\/\/www.slideshare.net\/larrychiang\/what-a-super-model-can-teach-a-harvard-mba-about-credit\" >https:\/\/www.slideshare.net\/larrychiang\/what-a-super-model-can-teach-a-harvard-mba-about-credit<\/a>  I am a model because working in credit is insane  American Express&#8217; Under-Promoted Credit Truths at Mercedes Benz Fashion Week (MBFW) <a href=\"https:\/\/t.co\/inxTmZAj\" >https:\/\/t.co\/inxTmZAj<\/a>   During summers I take off and get a hobby&#8230;  My Stanford Engineering video boils down 20,000 hours and moves you to the right on the entrepreneur bell curve   <embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/eudADPfTWiE&#038;hl=en&#038;fs=1' \/>  Yes, I&#8217;m faithfully  CEO of Duck9 MIT University EIR (Entrepreneur in Residence)  Duck9 = &#8220;Deep Underground Credit Knowledge&#8221; 9 125 University Avenue\/ 100 Palo Alto CA 94301 <a href=\"https:\/\/www.duck9.com\/ass\" >https:\/\/www.duck9.com\/ass<\/a> 650-566-9600 650-566-9696 (direct) 650-283-8008 (cell)  **************** Editor of the BusinessWeek Channel &#8220;What They Don&#8217;t Teach at Business School&#8221; <a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\" >https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog<\/a> CNN Video Channel: <a href=\"https:\/\/ireport.cnn.com\/people\/larrychiang\" >https:\/\/ireport.cnn.com\/people\/larrychiang<\/a>  Read my last 10 tweets at <a href=\"https:\/\/www.Twitter.com\/LarryChiang\" >https:\/\/www.Twitter.com\/LarryChiang<\/a>  Author, NY Times Bestseller <a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller\" >https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller<\/a>  &#8220;What They Will NEVER Teach You at Stanford Business School&#8221; comes out 11-11-14  <a href=\"https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049\" >https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049<\/a>  52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering <embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/vDBY0GkI3-g&#038;hl=en&#038;fs=1' \/>  Emergency swings and cutting deals as an 9 year old  <embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/OFGY7v9C4G0&#038;hl=en&#038;fs=1' \/>  ########## Duck9 is part of UCMS Inc. <a href=\"https:\/\/www.ucms.com\" >https:\/\/www.ucms.com<\/a> 630-705-5555  More on #ENGR145&#8217;s SHIFTING right on the entrepreneur bell curve  <embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/VZ45MliL-OM&#038;hl=en&#038;fs=1' \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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, &#8220;What&#8217;s my car loan rate?!&#8221;, the price goes up. I can get into the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1438","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/1438","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=1438"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/1438\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=1438"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=1438"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=1438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}