While it is true that multiple credit inquiries in a short period of time (usually within 45 days) won’t impact your credit score, more than one credit inquiry does, it is also true that credit pulls “expire” such that mortgage lenders will need to re-pull your credit to confirm nothing has materially changed since the last time they pulled it.

Credit reports are valid for up to 60 days (and often 90 days) with most mortgage lenders and a repull can negatively impact your credit score if done outside of the allotted time frame.

Credit score tiers for interest rates are as follows:

780 – 850 = Best Rates

760 – 779 = Phenomenal Rates

740 – 759 = Amazing Rates

720 – 739 = Excellent Rates

700 – 719 = Great Rates

680 – 699 = Good Rates

660 – 679 = Average Rates

640 – 659 = Fair Rates

620 – 639 = Marginal Rates

350 – 619 = Typically Do Not Qualify for Traditional Lending