Last 12 Month regarding inquiries

[Anonymous]

When applying for a home loan do they look at how many inquiries that you have had in the lasy 12 month? or the last 2 years?

[Anonymous]

They reviewed my inquiries over the last year but my guess is that each lender has a different review process. 

[Anonymous]

They want to know what the credit inquiries were for in the last 12 months because they have the most impact on your credit I believe. After 12 months they weigh less.

But even if they do go back 2 years I would just ask them to give you what they found on the credit report and then explain it from there.

[Anonymous]

I was only asked about inquiries for the last 6 months.I think they just want to make sure your not going to have new credit report during the loan process.I wouldn't worry too much about inquiries

[Anonymous]

i was only asked for 120 days, they said its normally 60 but my processor does 120 just to be safe 

[Anonymous]

Typically 120 days, but be prepared to explain anything on your credit report.