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Hard pulls for mortgage application, hard pulls for credit limits/insurance


usermi
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Hi,

 

I'm about to apply for a mortgage so I will have 2 mortage companies do a hard pull for my credit, from what I read hard pulls within one week are not that bad, so I was thinking I can also apply for higher credit limits with the credit cards that require a hard pull, apply for better home insurance rates (which I think do a hard pull also), etc during this period, is this a good idea? How many points should I expect to lose on my score?

 

Thanks!

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The first rule is while you are in the mortgage process, don't apply for anything else until after the loan is fully closed.

 

Pulls for a mortgage or car loan within a certain time are supposed to combine, because people are only out to buy one house or car and they commonly shop for the best rate.

 

But credit card pulls do not combine, they will hurt you the same as any other time. Insurance pulls are not supposed to affect your qualification for loans.

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