Shopping for a Mortgage Won't Wreck Your Credit Score: The 14-Day and 45-Day Windows, Explained
Published on: 26/10/2026
Shopping for a mortgage does not cost you one credit hit per lender. FICO ignores mortgage inquiries from the 30 days before scoring and counts pulls inside a 14- or 45-day window as a single inquiry. Here is the 14-day plan that keeps you covered under every model.
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