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Middle score after inquiry

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

Middle score after inquiry

My middle mortgage score is exactly 640 when applying will the inquiry drop my score?

Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 672 TU 649 Ex 644
Goal Score: 700 All 3


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8 REPLIES 8
Established Member

Re: Middle score after inquiry

When applying for your mortgage I don't think so. At least my didn't and I applied with 3 mortgage lenders.

Message 2 of 9
Frequent Contributor

Re: Middle score after inquiry

Thanks I really hope I have the same outcome 😎

Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 672 TU 649 Ex 644
Goal Score: 700 All 3


Take the myFICO Fitness Challenge
Message 3 of 9
Regular Contributor

Re: Middle score after inquiry

The credit bureau's allow you to shop for a mortgage and can tell when another lender pulls your credit. Based on what they tell us, your scores will not drop. In my experience, this has proven to be true.
Message 4 of 9
Frequent Contributor

Re: Middle score after inquiry

Hopefully . My mortgage scores are 607TU 640EX 705EQ. My EQ&EX are both reporting 35% Utilization. Meanwhile TU is still very high and taking their slow time to update my balances. Praying 🙏 I get big score jump

Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 672 TU 649 Ex 644
Goal Score: 700 All 3


Take the myFICO Fitness Challenge
Message 5 of 9
Frequent Contributor

Re: Middle score after inquiry

Update my all 3 of my reports reflect the 35% utilization. Mortgage scores are now 705EQ 641TU 640EX gonna apply later today 🤞🏾

Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 672 TU 649 Ex 644
Goal Score: 700 All 3


Take the myFICO Fitness Challenge
Message 6 of 9
Established Contributor

Re: Middle score after inquiry


@kaylord84 wrote:
Update my all 3 of my reports reflect the 35% utilization. Mortgage scores are now 705EQ 641TU 640EX gonna apply later today 🤞🏾

good luck





Message 7 of 9
Frequent Contributor

Re: Middle score after inquiry

Approved! Score didn't drop at all


Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 672 TU 649 Ex 644
Goal Score: 700 All 3


Take the myFICO Fitness Challenge
Message 8 of 9
Established Contributor

Re: Middle score after inquiry

nice congrats





Message 9 of 9