Credit Reports Credit Scores
2010
How bad will banks running credit reports impact my credit score?
I’m beginning the process of purchasing my first home, and have gotten pre-approved by one mortgage company already. I would like to also talk to my bank, as well as my fiance’s to see what they have to offer, but if they both run credit reports will 3 inquiries in this short amount of time significantly impact my credit scores?
An application for a mortgage loan is a “hard pull” on your credit report. It does affect your credit score. Anytime that you are actually getting a loan or a new credit card, the lender conducts a hard pull on your credit report. This stays on the record. It also lowers your credit score by about five points for six months. For this reason, it is important to guard your credit report from too many hard pulls.
Ask the lenders where you are inquiring if a soft pull will suffice since you are just shopping loans and explain the circumstances or at least ask if they intend to do a hard or soft pull as part of your inquiry. Then you can make an informed decision on how you wish to proceed. And please do make your intentions clear from the get go. Some overly zealous business may start the loan procedure when all you want is a quote. Don’t just assume. We ran into that problem shopping for an auto loan.
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