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- Do not complete a credit application
- just to get a free gift. All credit
- applications require an inquiry on
- your credit report. An inquiry means
- potential creditors request a copy of
- your credit report to determine
- if you are a good credit risk. Too
- many inquiries during a short time
- can send up a red flag. Creditors may
- see you as being in financial trouble
- or may fear that you will be extended
- too much credit. They may deny an
- important credit approval.
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