During the mortgage process, your mortgage consultant will provide you with specific advice on pulling and monitoring your credit. When shopping for a mortgage loan, it is common for multiple lenders to review your report while shopping for the best interest rate and most favorable terms. Because of this, most scoring models allow for multiple inquiries of the same type within a specified period of time (often 14 days) to be counted as only one inquiry. Doing so lets you shop for the best terms without affecting your credit scores. After completing your mortgage transaction, it is a good idea to review your credit on an annual basis to safeguard against fraud and identity theft. Each of the three credit bureaus listed below will give you one free credit report per year.
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