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@Ontario

There are 2 kinds of hits on your credit.

iexcel(馄饨面)
1. Soft hit: When you open a bank account, the bank may want to see your credit rating. But this is a soft hit. Also, if you want to know your credit report and you file a request to the credit beaureu, that will be a soft hit.

2. Hard hit: When you buy mortage from a financial institution, they will give a hard hit on your credit, checking everything detail of your financial status, like how many bank accounts you have and the balance as of the day they perform the hard hit, etc.

Soft hits are OK but it is definitely bad to have too many hard hits during a very short period of time. So, checking your credit history or opening some bank accounts will not affect your credit rating.
(#2010899@0)
Last Updated: 2004-12-3
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Replies, comments and Discussions:

  • 枫下家园 / 住房话题 /
    tor
    Toronto Area
    今天得到一个惊人的消息，希望懂行的大侠予以证实或否认： -firsttry(firsttry); 2004-11-29 {292} (#2005380@0)
    An real estate agent told me that when I am shopping my mortgage, everytime I go to a bank, IT IS A HIT TO MY CREDIT!!! He strongly suggested me go to a mortgage agent because an agent only checks my credit one time. Is it true that it is a hit to your credit when your credit is checked???
    • 吓死我了...你才知道啊.... -mysabre(一头豪爽的猪-Michael); 2004-11-29 (#2005385@0)
      • 看来是真的拉. 就是说如果CHECK的次数多的话,我的CREDIT会变坏? -firsttry(firsttry); 2004-11-29 (#2005389@0)
        • 这个CHECK MORGAGE 呢...是要CHECK CREDIT的...人类一看你很多CHECK就会想这个人类在干什么?莫不是在到处骗钱?....您的RATE就低了....不过要是在短期内好几个CHECK呢.... -mysabre(一头豪爽的猪-Michael); 2004-11-29 {51} (#2005397@0)
          他们就会想....这个人类在SHOPPING AROUND....安啦....
          • 人类的CREDIT 不是以A.B.或C 表示的吗?而是依人类的推测而定? -firsttry(firsttry); 2004-11-29 (#2005399@0)
            • ABCD也是人类推测的... -mysabre(一头豪爽的猪-Michael); 2004-11-29 (#2005403@0)
              • 那为啥还有那种花钱查自己CREDIT的服务存在?使用者岂不沙漠一个? -firsttry(firsttry); 2004-11-29 (#2005408@0)
                • 你去拿一个CREDIT REPORT就全明白了... -mysabre(一头豪爽的猪-Michael); 2004-11-29 (#2005411@0)
                  • OK, SO 找AGENT 好过到各个银行问价? -firsttry(firsttry); 2004-11-29 (#2005429@0)
                    • 我懒.....只问了两家银行.... -mysabre(一头豪爽的猪-Michael); 2004-11-29 (#2005440@0)
      • 没事8？ 只要不添表格啥的， 做一下PRE-APPROVE没关系地， -ningxin0809(雁影行洲); 2004-11-29 (#2005439@0)
    • true. There will be a search record every time on your credit file. -23456789(大白呼); 2004-11-29 (#2005417@0)
      • OK, SO 找AGENT 好过到各个银行问价 -firsttry(firsttry); 2004-11-29 (#2005430@0)
        • Wrong. 到银行问价 does not affect credit at all. -rollor(Rollor); 2004-12-1 (#2007530@0)
      • 不是说贷款broker能拿到各家银行的最好利率吗，为什么我的broker只能提供一家，换了的话，是不是也会影响credit呀 -autumnatan(jessy); 2004-11-30 (#2006341@0)
        • 因为你的broker笨....不要怕...太容易借钱了...破产过的人类才怕 -mysabre(一头豪爽的猪-Michael); 2004-11-30 (#2006360@0)
          • 他才不笨呢，那个银行对他有利，他就选哪家。但我确实想知道是否有影响 -autumnatan(jessy); 2004-11-30 (#2006788@0)
    • I don't think that matter too much(or not at all). I tried each bank; every one of them is eager to lend me money. HSBC showed me the credit report(and gave the best rate). Agent's trick? -apuma(apuma); 2004-11-29 (#2005470@0)
    • That's true. a mortgage broker told me it's ok if just check 2 or 3 times ayear, or the cridet score would be impacted. -homemaster(yahoo); 2004-11-29 (#2005592@0)
    • Not 100% true. Going to a bank, inquiring about mortgage products and even applying for a Pre-approved appraisal do not automatically affect your credit, unless they check your credit. -rollor(Rollor); 2004-11-30 (#2006366@0)
      • how can you get a pre-approve without a credit checking? -canadacanada(我来学习学习); 2004-12-1 (#2007576@0)
        • Yes. I did. There was condition stating that this approval is subject to credit check. -rollor(Rollor); 2004-12-1 (#2007621@0)
    • 某些人会收到信用卡公司寄来的pre-approved的信用卡申请表，这是因为他们查了你的credit record。这类查询不会影响你的credit rating。 -nettunner(turn on); 2004-11-30 (#2006399@0)
      • 人类好笨.....他都pre-approved了还要信用卡申请表?....那是骗你去申请.....然后才APPROVE.... -mysabre(一头豪爽的猪-Michael); 2004-11-30 (#2006405@0)
        • 哈哈，还是豪猪聪明。 -nettunner(turn on); 2004-11-30 (#2006456@0)
    • There are 2 kinds of hits on your credit. -iexcel(馄饨面); 2004-12-3 {695} (#2010899@0)
      1. Soft hit: When you open a bank account, the bank may want to see your credit rating. But this is a soft hit. Also, if you want to know your credit report and you file a request to the credit beaureu, that will be a soft hit.

      2. Hard hit: When you buy mortage from a financial institution, they will give a hard hit on your credit, checking everything detail of your financial status, like how many bank accounts you have and the balance as of the day they perform the hard hit, etc.

      Soft hits are OK but it is definitely bad to have too many hard hits during a very short period of time. So, checking your credit history or opening some bank accounts will not affect your credit rating.

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