Your credit score is one of the most important factors lenders consider when you apply for a mortgage. Typically, the higher your score, the lower the interest rate you will qualify for.
You are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies.
A hard inquiry, or a “hard pull,” occurs when you apply for a new line of credit, such as a credit card or loan. Hard inquiries show up on your credit report and can affect your credit score. So it’s important to understand when they happen, how they’ll impact you and why it’s best to keep them to a minimum.
If you are still unsure, you should contact the companies directly. They should be able to provide you with further information on what the tradeline is and why its there.
If you are shopping for a mortgage loan, generally multiple hard inquires with a certain time period for a home loan are counted as one inquiry. The period of time may vary depending on the credit scoring model used, but its typically from 14 to 45 days.