Your credit is made of a few components:
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Check what Fico Score is made of:
Frequently asked questions
Will my FICO® Scores drop if I apply for new credit?
What is an “inquiry”?
How much will credit inquiries affect my score?
Does applying for credit affect my FICO Scores?
Does the formula treat all credit inquiries the same?
What to know about “rate shopping.”
How to improve your FICO® Scores?