Starting the process soon...

[darkknight74]

Was getting items on my report cleaned up and fixed... recently bought a new car and saw alot of hard pulls from diffrent car finance places all with in 30 days... do morgage  or underwriting people ignore multi pulls like that? 

[Lel]

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@darkknight74 wrote:

Was getting items on my report cleaned up and fixed... recently bought a new car and saw alot of hard pulls from diffrent car finance places all with in 30 days... do morgage  or underwriting people ignore multi pulls like that? 

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The short answer is yes, the underwriter should understand that the multiple credit inquiries were for the purpose of loan shopping - something that people do with mortgages as well.  In addition, the FICO score formula "de-duplicates" these inquiries, so even if you have 3 dozen inquiries within a short period of time, they will only be scored as a single inquiry.

[darkknight74]

Thanks for the heads up, these fourms are awesome this process is so confusing... 

[drkaje]

If you have any unresolved or unsuccessful disputes on your credit file, have them removed.