re: Credit report mortgage inquiries

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Also, quit pulling your damn report. You are the reason it is dropping.

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This does not affect your score at all. You could pull it everyday and the scoring model ignores it and it doesn't show up on your report. The hard pulls when you shop for credit are the only inquiries that show up. I have had Score Watch for about 2 years and have had several inquiries in that time. I have never seen my score drop more than 3 points from any inquiry (sometimes it doesn't drop at all with an inquiry) including when I was rate shopping for my truck and mortgage. I can say that I have seen my Equifax score move around a lot for no apparent reason while my TransUnion score that comes with my Discover It card barely moves. The FICO system is truly mind boggling. I would look closely at my report to see if something else is going on. There's no reason for your score to drop like that over a few inquiries, especially since the model should only count them once in a 30 day window while mortgage shopping.