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Do lenders pay attention to Who checked your credit?!

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Valued Contributor

Do lenders pay attention to Who checked your credit?!

So next year one of my Inquiry will fall off but will still have 2 from NF from this year, if I applied next year for something NF would they see that Oh it was just us that did the 2 inquiries last year or is it just 2 inquiries is 2 inquiries?!   LOL     










3 REPLIES 3
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Established Contributor

Re: Do lenders pay attention to Who checked your credit?!

I don't think NFCU cares about your report *as* much as they care about their internal scoring of you

 

They're very generous so I wouldn't worry

Smiley Embarassed
Message 2 of 4
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Moderator

Re: Do lenders pay attention to Who checked your credit?!

Only if it goes to manual review.

Computer doesn't care who pulled your credit or why. 

Message 3 of 4
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Moderator

Re: Do lenders pay attention to Who checked your credit?!


@Dumbee wrote:

I don't think NFCU cares about your report *as* much as they care about their internal scoring of you

 

They're very generous so I wouldn't worry


Except number of inquiries would most likely be included as a metric when internal risk score is generated.

Internal scores are not static, they are calculated on demand when the need presents itself, such as new application.

 

Each lender gets to assign the significance to each factor that goes into generating internal score. 

Message 4 of 4
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