You have to love Clark Howard (the consumer warrior) he is full of useful information that help each of us handle our finances better. Today he was providing information to a caller regarding ways to improve their credit score and also what impacts the credit score. So I will share that with all of you or you can go to ClarkHoward.com and listen to that clip. Anyway, the myth that if you have 2 or 3 Lenders pull your credit it will hurt your credit score is just that (a myth). He said you can have 10 lenders pull your score during a 2 week period of time with no impact. Also if you pull your own credit history it does not impact your score. If a credit card company pulls your history as part of a marketing campaign again no harm to your score. The only credit history request that will hurt you is if you authorize a credit card company or some other business (like car dealership or Retail outlet) to pull your credit. He also stated (as have I) that you start evaluating your credit score 6 mths before you want to apply for a loan as it will take 3 mths to correct any issues you uncover. Have a great day.