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And since having credit inquiry on your account makes your score go down, you want to have all the inquiries made in a short span, for personal loans, possibly in one day, so that all credit inquiries from all banks are treated as a single inquiry.
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With known repayment amounts and dates, the installment loan can be handled as a regular budget item and planned for on a recurring basis.
You can do this once per month, no questions asked.
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