I dont think its unreasonable for one’s credit score to get dinged if half a dozen lenders check their score - that means the consumer went through the initial

I dont think its unreasonable for one’s credit score to get dinged if half a dozen lenders check their score - that means the consumer went through the initial stages of trying to get multiple loans. But more importantly the ding is maybe 10 points which is pretty much irrelevant to the “buckets” that define credit worthiness (>800, 700-800, etc). Plus individual lenders can look at the report themselves and make their own determination.