Is there a difference in inquiries?

[Anonymous]

I have been in the process, for the last 6 months, of trying to close on a house. During those month, the mortgage company kept pulling my credit for some reason. To this day I'm not really sure why they did this. Now it looks like I've had something like 7-9 hard pulls on my credit. I was wondering how badly you guys think this might affect my chances of getting a new card (I'm looking at Chase Sapphire Preferred or AMEX Delta Gold).

Also, is there a differnce between inquiries that are for mortgages and inquiries that are for CC applications?

[Remedios]

---

@Anonymous wrote:

I have been in the process, for the last 6 months, of trying to close on a house. During those month, the mortgage company kept pulling my credit for some reason. To this day I'm not really sure why they did this. Now it looks like I've had something like 7-9 hard pulls on my credit. I was wondering how badly you guys think this might affect my chances of getting a new card (I'm looking at Chase Sapphire Preferred or AMEX Delta Gold).

Also, is there a differnce between inquiries that are for mortgages and inquiries that are for CC applications?

---

Mortgage inquiries will be binned together for scoring purposes if done in particular period of time

As far as CC apps, to a computer an inq is an inq. I'm not sure if lenders utilize algorithms to separate them by type, but you should not concern yourself too much with those. To a majority of lenders it's new accounts and negatives that are concerning, not inquiries per se. 

[ChessChik47]

---

@Anonymous wrote:

I have been in the process, for the last 6 months, of trying to close on a house. During those month, the mortgage company kept pulling my credit for some reason. To this day I'm not really sure why they did this. Now it looks like I've had something like 7-9 hard pulls on my credit. I was wondering how badly you guys think this might affect my chances of getting a new card (I'm looking at Chase Sapphire Preferred or AMEX Delta Gold).

Also, is there a differnce between inquiries that are for mortgages and inquiries that are for CC applications?

---

Welcome!  Normally mortgage inquiries are lumped together and count as "one" when underwriting reps review your credit report.  The inquiries stay on your report for about 25 months and become unscoreable after a year.  I'd wait to apply for a card until at least 6 months after you close on your home.  By then, your mortgage would have reported and you'd have a couple months of payments on the mortgage showing up on your report which shows that loan being paid down.  Good luck, whatever you decide to do!