will a CU pull hurt fico? (Loan Health Check up)
11-17-2012 12:15 PM
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
Re: will a CU pull hurt fico? (Loan Health Check up)
11-17-2012 05:41 PM
It might be a soft pull so no FICO impact. Many CUs offer that service w/out a hard pull.