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I am getting closer to buying a condo, and I want to keep my FICO as high as I can so I can get the best mortgage deal for my situation.

I want to apply to Care Credit to have some dental work done, and I am sure they will do a hard credit check. How much will that one hard credit check reduce my FICO score? Will that amount significantly affect my FICO score and my mortgage deal? (FYI, I pay all my bills on time and carry no debt of any kind.)

Can anyone advise me?

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How close are you? Really, if its in the next few months and you can wait to have the dental work done, I would wait! My realtor told me not to do anything that would affect my credit before I purchased my condo. No car, credit cards, closing accounts- nothing. I always paid my bills on time and was otherwise in a good spot.

Good luck!! How exciting!

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