FINANCE
Why a 580 FICO pays double a 620
Lenders price one risk factor above all others.
Lenders Ignore Your Score's History
They focus on recent payment velocity and debt-to-income ratio. But a third signal sets the final APR.
The Loan-Stacking Penalty
Applying to multiple lenders in a short period triggers a risk flag, adding 5-10 points to your APR.
The Safe Comparison Method
Our report details pre-qualification tools that don't trigger hard inquiries or rate penalties.
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