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How A Credit Inquiry Affects My Score
Having several inquiries can reduce your overall credit score and affect your RV or boat loan approval. Lenders use your credit report to conduct a risk assessment. Inquiries can affect their decision to offer a loan to you. Too many hard inquiries in a short period of time can be concerning to lenders. That's because multiple hard inquiries may add up to numerous new accounts. This may make the lenders feel you are taking on too much debt or having financial difficulties. A credit inquiry would typically remain on your report for 24 months.
Most Recent Articles
The year 2026 is a massive one for the marine industry. With new hybrid propulsion systems and smarter hull designs hitting the water, boat shows this year are the best place to see how the "future of boating" actually feels. At My Financing USA, we’ve spent over two decades helping Americans move from the docks...
For many, an RV represents the ultimate escape to see the country without the stress of airports or hotels. But when you’re looking at your credit score and seeing numbers in the 500s or low 600s, that dream can feel out of reach. You might worry about being judged by a loan officer or, worse,...
For many Americans, the thought of casting a line into a lake or competing in a fishing tournament represents the ultimate escape and pursuit of passion. If you've ever dreamed of landing the winning bass or marlin at a competition, at My Financing USA, we understand this dream. With over 20 years of experience in...
For many people, the dream of owning an RV begins at a show. You walk through a variety of layouts, step into brand-new motorhomes and towables, and start imagining road trips, weekend escapes, and visits to national parks. If 2026 is the year you want to explore RV ownership more seriously, shows across the country...
Virginia offers an incredible RV camping experience for outdoor lovers, from forested trails to whitewater rivers and scenic mountains. This guide covers top destinations, the best times to visit, and how to prepare for your trip so you can hit the road with confidence. Why West Virginia is Ideal for RV Travel With its mountainous...
When Is the Best Time to Buy a Boat? A Seasonal Guide for Smart Buyers For many Americans, owning a boat represents freedom, family time, and lasting memories on the water. If you’re considering buying a boat, one of the first questions that often comes up is timing. While there is no single perfect moment...