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  • Credit inquiry

    I am interested in financing a new cell phone right now (because my phone is too old) and I am looking to buy a new house in the near future. How much will the credit inquiry for the financing of my cell phone affect me? Do you recommend that I don't finance my phone? Thanks in advance for being patience with my ignorance.

  • #2
    I do not believe that the cell phone inquiry is considered a “hard pull” (I have recently purchased/financed two).

    Yes, you should finance the phone, if it is an interest-free loan, like they usually are.

    No, it should not affect your home financing or credit score.

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