Skip to main content

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/
Labels:

Comments

Post a Comment

Popular posts from this blog

North Carolina – “One to Buy; Two to Sell”

I realize I will likely have to contact a real estate attorney but also hoping to hear insights and experiences from others! I have a house in NC that I bought by myself in 2009, and paid off, in full, in 2022. I got married in 2023. My spouse and I have not lived in the house as our "marital residence". We have maintained separate residences even after we got married. (That a separate topic!). I am now selling this house. Realtors have told us that my husband has to sign the deed at time of transfer but I am not convinced since the house has not been our marital residence. The realtors like to use the phrase "one to buy; two to sell", which seems like a broad-stroke statement which is not applicable under all circumstances. And of course, the realtors don’t realize the details of my specific circumstances: I purchased and paid for the house in full prior to marriage Only my name is on the deed And most importantly, we have never lived in the house as a marit...
Post a Comment
Read more

Question With Tricon "Pending ID".....

My wife and i, along with 2 other peopl applied to rent a house, and our application says "Approved, Pending ID". Anyone else know what that means? Do we pretty much have the place or are we missing something? submitted by /u/Itskrueger [link] [comments] source https://www.reddit.com/r/RealEstate/comments/1orixqj/question_with_tricon_pending_id/
Post a Comment
Read more

Making offers on houses not listed for sale.

I want to buy a home for retirement. I am looking at lots of options, mostly focusing on the locations that appeal to me. I see lots of Zillow estimates of homes that look like great deals to me. Are these estimates accurate, even though similar houses in the same area that are for sale are usually priced much higher? If so, is it realistic for me to try to make offers to owners that do not have their homes listed? Would a realtor even consider helping me do this? Or, do these values indicate that the houses listed for sale are overpriced, and I should just lowball until someone accepts? Are houses today tending to sell far below list prices, or ??? submitted by /u/chewybrian [link] [comments] source https://www.reddit.com/r/RealEstate/comments/1o4mcon/making_offers_on_houses_not_listed_for_sale/
Post a Comment
Read more