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London, ON, N6E 2X9


We have been proudly serving the mortgage and financial needs of individuals in London, Ontario and all across Canada for more than a decade.

Our Blog

Welcome to Our Blog, where you'll find the latest news and gain insight into a variety of mortgage-related topics.

The Enquiry Myth: Checking your credit will hurt your credit score

Mike De Sousa

One of the most common myths that customers have is that shopping for a mortgage will result in multiple credit enquiry request which will impact their FICO score with Equifax or TransUnion.

According to the website, "If it does, it probably won't drop much. If you apply for several credit cards within a short period of time, multiple requests for your credit report information (called “inquiries”) will appear on your report. Looking for new credit can equate with higher risk, but most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of time. Typically, these are treated as a single inquiry and will have little impact on the credit score." The truth is that enquiries in general make up a mere 7-10% of your overall credit score.

Moreover, any mortgage  or auto loan related enquiries done within the first 14 days of each other will be considered one enquiry, and all mortgage related enquiries donw within the first 30 days of the first enquiry will not impact your score at all according to an Equifax seminar I attended!

Each mortgage brokerage firm and bank have special enquiry codes that distinguish an enquiry made for a mortgage versus regular unsecured credit cards.  The advantage of using a mortgage broker for your mortgage is that a broker can shop over 30 lenders with one credit enquiry, avoiding the need of shopping unnecessarily!

Thanks for reading!

Mike De Sousa and Mindy Small

Your London, Ontario Mortgage Brokers at Dominion Lending Centres Forest City Funding FSCO# 10671