Established Member
Posts: 26
Registered: ‎05-08-2012

will a CU pull hurt fico? (Loan Health Check up)

Hi everyone,


Our credit union offers a "loan health check-up" for free and includes a cr and fico.  How much will the pull hurt us?  We are currently cleaning up with hopes to get a mortgage in the near future.


DH = CU pull on 03/2012 was 551, just did scorewatch today and it was 618.

Mine = CU pull on 03/2012 was 587, my SW on 11/15/2012 was 627.


DH has bad debt of 13k (3 accnts) and we both have some lates from a couple years ago that i am currently GW.  I just want to make sure we will keep going forward and not take any steps backward.


Best wishes to you all.




HuntingMama:  Dec 2012 = EQ scorewatch 649, TU myfico 649

HuntingPapa:  Dec 2012 = EQ scorewatch 625, TU myfico (Nov 2012) 604


Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: will a CU pull hurt fico? (Loan Health Check up)

It might be a soft pull so no FICO impact. Many CUs offer that service w/out a hard pull. 

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