Because of the unique situation, the LO wants to do another HP so my report reflects as many of the updates as possible, particularly the miniscule CC balances and the paid off mortgage. Before all of that updates, it will be past 30 days since the last HP. I'm not wild about adding on yet another inquiry, but I heard somewhere it was 45 days they were all lumped together? She also said the report is good for 120 days, so no further pulls, but I keep hearing that some get it right before closing.
I'm hoping to apply for a couple of new CCs as soon as this is over and I'm concerned about the inquiries piling on.
Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)
