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Hard inquiry w/o affecting your credit? OH USA

Good morning,

I recently went to talk to a lender whom did a hard pull on my credit.

Then I received this email from credit karma stating that someone did a hard pull on my credit. But at the very bottom of the email it said this.

“ 14 days from the date of your first hard inquiry to shop around and get quotes for other mortgage rates without affecting your credit. “

But then I googled it and this is what Google said:

“ The good news is, multiple inquiries from different lenders are typically counted as only a single inquiry — as long as they’re made within the same 14 to 45 days.”

But right after that, I shopped around for different lender and I asked him about this and he said 90 days.

..so my question is, which one is it? 14? 45? Or 90?

submitted by /u/king-xslayer
[link] [comments]

source https://www.reddit.com/r/RealEstate/comments/18gl9lw/hard_inquiry_wo_affecting_your_credit_oh_usa/
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