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The House Hunt Suspense

The House Hunt Suspense

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 While you are checking rates and terms, it's a good idea to also check the credit scores of people whose applications are typically approved if that information is available. You can also look for an option to prequalify online without a hard inquiry or "hard pull." A hard credit inquiry can ding your credit score temporarily, and that is true whether you get approved or not. If you can't prequalify, you may not want to risk the loss of a few points that can happen if you actually apply. Choose a loan you're likely to be approved for.

How to Minimize the Risks of a Personal Loan
Tempting as it is to apply for a loan because you need something now but you don't have the cash, take a minute to think some things through. For example:

Review your budget to be sure you have enough room to add a payment, and what the maximum size of that payment could be.
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