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Searching for better bank interest rates can negatively impact credit scores due to recent credit inquiries. The FICO score, ranging from 300 to 850, assesses repayment likelihood based on various factors, including recent credit requests. The Competition Council is investigating whether banks' use of credit data limits consumer access to financing. Consumers should request preliminary eligibility checks that do not affect their FICO score and compare offers carefully. They can also access their credit reports to correct inaccuracies before applying for loans.