This Is What You Should Do If You Have a 700 Credit Score

BE AWARE OF THE RATE-SHOPPING WINDOW

When you need to open a new line of credit — whether it be for a new car, student loan or mortgage — be aware of your rate-shopping time-window. FICO scores ignore loan inquiries for 30 days before your next scoring report. That means if you’re within this period, the inquiries will not affect your credit score — and people using the newest FICO scoring formula have a 45-day cushion.