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Established Member
Posts: 32
Registered: ‎01-28-2016
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Does a Mortgage Pre-Qualification Affect Your FICO Score?

I'm aware of the difference between a mortgage pre-qualification and a mortgage pre-approval. My question is: Does a pre-qualification appear on my credit report and does it affect my FICO score?

Frequent Contributor
Posts: 480
Registered: ‎03-13-2017
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Re: Does a Mortgage Pre-Qualification Affect Your FICO Score?

If the lender is pulling your credit, then you will have an additional inquiry on all three bureaus. If you are shopping for a mortgage, it's best to do it within a 30 day timeframe since the impact will be lower. 


For FICO scoring purposes, inquiries lose their impact after 1 year. However, they remain on your report for two years. 

FICO8 Scores - 625TU / 640EQ / 649EX
On Mortgage Journey
Starting Mortgage Scores (Feb 17) 523EQ / 547TU / 564EX
Mortgage Scores Aug 17 624EQ / 649TU / 650 EX

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