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Updated about 1 year ago on . Most recent reply

Neil Fernandes's profile image
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Neil Fernandes
  • Investor
  • from Wisconsin
  • Member since Oct 6, 2023
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Neil Fernandes's profile image
Neil Fernandes's profile image
Neil Fernandes
  • Investor
  • from Wisconsin
  • Member since Oct 6, 2023
  • Posts 24
  • Votes 11
  • Experience 2 Yrs
  • Investments 1
Connect
Neil Fernandes
  • Investor
  • Wisconsin
11
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24
Posts
Private Lending & Conventional Mortgage Advice

Query regarding credit pull for pre-approval

Neil Fernandes
  • Investor
  • Wisconsin
Posted

If multiple lenders hit my credit report at the same time [during the same week] will it be considered a single credit pull or multiple hits? I have a mortgage broker but was wondering if I should check with another mortgage lender to make sure I am getting the best deal. Not sure if it is a smart or stupid decision.

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Jay Hurst
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  • from Dallas, TX
  • Member since Mar 29, 2017
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Jay Hurst
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  • from Dallas, TX
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Jay Hurst
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Jay Hurst
  • Lender
  • Dallas, TX
Replied
Quote from @Neil Fernandes:

If multiple lenders hit my credit report at the same time [during the same week] will it be considered a single credit pull or multiple hits? I have a mortgage broker but was wondering if I should check with another mortgage lender to make sure I am getting the best deal. Not sure if it is a smart or stupid decision.


 The credit algorithm allows you to shop. One pull is equal to 5 in a 45 day period. 

  • Jay Hurst
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