Six weeks after a GartnerGroup Inc. study concluded that frequent online shopping for lending products can harm a consumer's credit rating, credit bureaus and Fair, Isaac & Co. - which produces a majority of the credit scores banks use to approve applications - say they are not changing their evaluation methods.

The study said those who browse the Internet for more than a month for the best rates - on mortgages, auto loans, credit cards, and the like - unwittingly undercut their credit scores and their chances of getting the best terms.

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