Mortgage HPs

[Anonymous]

We recently applied for mortgage pre-approval with 4 CU’s we are members of. It looks like all 4 used different reasons, none of which are mortgage. We applied for 4 to give ourselves the best shot with the understanding of all mortgage apps with 14 days would count as 1 HP. Now it looks like all 3 CB’s have 4 new pulls. Is there a way to get these re-coded? How can I verify that they in fact counted as separate HPs?

[pgtackle2003]

Perhaps you're mis-understanding when it's quoted as saying it's counted as 1 HP within 14 days. As you've noticed you will in fact see a new HP for each lender you apply with. However, when it comes to Fico scoring these will only be counted against you as if it were 1 HP. I am not sure what you mean for 're-coded' my assumption is these come up as mortgage inqueries?  I wouldn't be too concerned with the numbers of inquiries as these are easily explained as rate shopping.

[Mortgage-Specialist]

The key is that none of thos pulls negatively affected your scores.