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Why would you apply for 3 loans on the same car? IINM, those count as "hard hits" on one's credit report, in and of themselves, bump your FICO score down some, and can serve up a red flag to a lender.

Wrong, you can apply for 100 car loans just as long as:

1) They are in a 14 day period
2) You end up buying a car

Then those 100 "hard hits" count as one - with credit extended. not a bad thing on your credit report (although your FICO will still take a small dip for the hard check and a bigger, but still minor dip for the new loan with no repayment history)

Same for home mortgages but I can't remember for the life of me if the window for a home loan is 30 or 45 days.
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