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About nhamil08

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  1. I am trying to purchase my first house and in the process of applying for a loan. The loan officer told me that I would only have one hard inquiry on my credit and after that it would just be soft checks to make sure its still the same. Well she checked it again and I received an alert that I had another hard inquiry on my accounts. When I talked to her about it she said that was a soft inquiry into my credit that it would drop my score only 3 points and its no big deal. I have never heard of a "soft" inquiry dropping your score or showing as a hard inquiry on a credit report. I have never applied for a mortgage before so I don't know if this is standard practice or not. I'm just afraid of having a bunch of hard inquiries on my account from applying for this loan. The closing date is about 2 months away and she said this will happen every 30 days, or at least 2 more times. Is it typical for a soft inquiry to do this to your credit?