Re: Question about hard pulls and credit scores

tooleman694 · ‎08-25-2011

The 15 to 45 days depends on which Fico model you are using.

For EQ all the mortgage INQs you get in 45 days count as one, but on EX its only 15 days.

pizzadude · ‎01-28-2010

tooleman694 wrote:
The 15 to 45 days depends on which Fico model you are using.

For EQ all the mortgage INQs you get in 45 days count as one, but on EX its only 15 days.

I believe that this depends on the FICO model, i.e. FICO98, vs FICO04, etc... so assuming that your mortgage lender is pulling FICO04 from all three CRAs then it would be the same on TU, EX and EQ.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

jeffg330 · ‎05-31-2012

pizzadude wrote:
tooleman694 wrote:
The 15 to 45 days depends on which Fico model you are using.

For EQ all the mortgage INQs you get in 45 days count as one, but on EX its only 15 days.
I believe that this depends on the FICO model, i.e. FICO98, vs FICO04, etc... so assuming that your mortgage lender is pulling FICO04 from all three CRAs then it would be the same on TU, EX and EQ.

My motgage broker is using EQ beacon 5.0 EX FICO II and TU FICO classic 04

Does this mean I will only have only 15 days with Experian?? The diff fico modles leave me confused

Dec 2012 homeowner at last!

Starting Score: EQ 609 EX 570 TU 656 March 2012
Current Score: EQ 653 EX 671 TU 700 November 2012 lender hard pull
Goal Score: 700

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Re: Question about hard pulls and credit scores

Re: Question about hard pulls and credit scores

Re: Question about hard pulls and credit scores