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(light music)

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- When you're going to
buy a vehicle let's say

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or maybe you were shopping
around for credit cards,

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every time you put in an application,

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they're pulling your credit
report and your score.

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By law they have to supply
you with both of those.

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Typically whenever you're
going in and buying a vehicle,

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it's going to be during maybe like a two

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two week time period or so

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and so those are only having
a hit on your credit score

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for that one hard pull
instead of multiples.

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Let's say you don't do that.

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Let's say you were dragging this out

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through the entire month,

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you're looking at multiple
hits against your credit score

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which is going to lower it.

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(whooshing and exploding)