Josh: Does them pulling your credit actually affect your score?

Samira: Yes. When someone pulls your credit, a third party, for purposes of a loan or extension of credit for a credit card, it does affect your score. The question becomes if they pull your credit more than once because you’re buy a car it’s consolidated if it was within two weeks. Sometimes they consolidate it as one pull but it’s important to understand that if you decide to buy a car in January and you’re denied and then you go back in May and you’re denied those are two pulls.