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I'm aware of the difference between a mortgage pre-qualification and a mortgage pre-approval. My question is: Does a pre-qualification appear on my credit report and does it affect my FICO score?
If the lender is pulling your credit, then you will have an additional inquiry on all three bureaus. If you are shopping for a mortgage, it's best to do it within a 30 day timeframe since the impact will be lower.
For FICO scoring purposes, inquiries lose their impact after 1 year. However, they remain on your report for two years.