Someone asked if you can get your own credit check and shop around yourself. I know you can get a credit check done on yourself (I have mine, BTW). You can take it with you to lenders, I suppose, and show them. They should accept it but I don't know for sure if they will. Some might have policies that it has to come from the broker or their own institution. I would think it should be okay but I can'gt say for sure. I can find out quite easily as I have a broker in Calgary I refer clients to and he will tell me how this works. Bottom line: Avoid lots of credit checks. As has been said, three or four probably won't matter, but if you have lots of checks on your file it will hurt you financially, and you can have multiple checks in a year and not even know it. For example, apply for one of those credit cards to get a free Flames t-shirt and, zap, you have a credit check. Apply for a cell phone, there's another one. Line of credit, there's another one. Apply for a job and you might get another one (not sure of this one). They add up and it can become a problem.
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