Collier Swecker video blogs about the effect that applying for a mortgage and/or having a mortgage lender pull a homebuyers credit has on their credit score. It is undisputed that inquiries from potential people seeking to borrow money decreases that persons credit score. One thing that many people do not realize is that people attempting to get a mortgage (car and student loans too) can shop as many lenders as they wish within a 30 day period and no matter how many inquiries are made, their credit report / score will only be affected as if only one inquiry was made. Shop away if you want too! Usually the effect on the credit score from a mortgage inquiry is less than 5 points and those points are quickly recovered with time. I would not worry about ever having a lender pull a credit report because even if you have a bad credit score, a good lender can advise you on the best way to get your credit score higher. More important factors that affect your credit score are how timely you pay your bills and your overall debt burden as indicated on your credit report. If you have any questions or comments email me at Collier@MegaAgents.com, visit my blog at www.CollierSwecker.com or my website at www.MegaAgents.com.