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Credit report mortgage inquiries
Posted on 5/20/14 at 2:43 pm
Posted on 5/20/14 at 2:43 pm
At the beginning of the month I shopped around for a mortgage rate. I'm signed up for equixfax score watch, where they will let you know changes in your score. My score dropped 46 points. 3 mortgage companies pulled my credit, and from what I understand all inquires would count as only one hard pull. Why the drastic change in score?
3
Posted on 5/20/14 at 2:47 pm to dave12345
I think you have a 10 or 12 day period in which all the credit pulls will count as one.
Posted on 5/20/14 at 3:24 pm to dave12345
No way you dropped 46 points just for the inquiries. Did you have a drastic change in balance on any of your credit cards?
Posted on 5/21/14 at 8:29 am to dave12345
did you apply for anythign else? like a car/CC/anything?
If you shop between different types of credit then the bureaus will see that and see it as either a mis-use of credit or as fraudulent activity. THey will lower the score to prevent credit being extended.
If you shop between different types of credit then the bureaus will see that and see it as either a mis-use of credit or as fraudulent activity. THey will lower the score to prevent credit being extended.
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