Experian Mortgage Pulls?

[david_weaver]

Maybe there is nothing that can be done about it, an maybe it does not really matter anyway, but figured I would ask:

 

Last year, we purchased a house.

 

We had hard pull on all three files on March 13, 2013 in order to get pre-approved.

 

It took so long to find the right house, we ended up with a second round of hard pulls on July 29, 2013, when it came time to make an offer, as our original pre-approval was more than 90 days old an no longer considered valid.

 

Then, as this was an FHA 203K loan which took nearly 3 months to close, we had a third round of hard pulls on October 15, 2013 just prior to closing.

 

Obviously, I am not that worried about TU and EQ.

 

So there are 7 hards on EX, one of which will be 2 years old in July. Three are from the mortgage process.

 

Does it matter that much that the wide spacing of the pulls resulted in them being counted as three pulls instead of one? In other words, does 6 or 7 hards on EX really matter that much on score or approval consideration when they are spaced over 2 years?

 

And if it really does matter, is there any way to ask the mortgage company to retroactively change the latter two hards to softs?

[cv91915]

Inquiries that old don't matter. Even fresh ones don't hurt THAT much.

 

I'm in the middle of getting a mortgage now. Between shopping and the passage of time I have several inquiries on each of the bureaus, none of which are keeping me up at night... and I'm just about as inquiry-averse as one can be.

 

But to answer your question, no, they won't do that.

Edited June 3, 2014 by cv91915

[david_weaver]

Appreciate the quick answer.

[cv91915]

I just realized two things:

 

First, being inquiry averse is a holdover from when my credit wasn't great. I need to get over that completely, because I think with my current profile almost any non-CU issuer would give me a credit card even if I had 400 inquiries.

 

Second, who am I kidding? I have 28 credit cards. There are people who are a WHOLE LOT more inquiry-averse than I am.

 

I stand by the rest of my answer though.

Edited June 3, 2014 by cv91915