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Question about hard pulls and credit scores

Valued Contributor

Re: Question about hard pulls and credit scores

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.

Message 11 of 13
Super Contributor

Re: Question about hard pulls and credit scores


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
Message 12 of 13
Regular Contributor

Re: Question about hard pulls and credit scores


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



Starting Score: EQ 609 EX 570 TU 656 March 2012 CH 7 BK 12/08
Current Score: EQ 691 EX 694 TU 713
Goal Score: all 3 700's.
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Message 13 of 13