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.