Does checking my credit score hurt it?
Checking your own score is a soft inquiry and does not hurt it. Mortgage shopping creates hard inquiries, but multiple mortgage inquiries within a short window (typically 14 to 45 days) are usually treated as one for scoring purposes.
That scoring window exists so you can compare lenders without being penalized for shopping around. Reviewing your own reports before applying is also a good way to catch errors early; you can pull them free at AnnualCreditReport.com and dispute anything inaccurate.
This answer is part of our guide What Credit Score Do You Need to Buy a House in Texas?, which covers loan minimums, Houston down payment assistance, and how to improve your score before applying.
Keep reading
More questions
- What is the lowest credit score to buy a house in Texas?
- Can I buy a house in Houston with a 600 credit score?
- What credit score do first-time home buyers need in Texas?
- Do I need a 20% down payment to buy a house in Texas?
- What credit score do I need for down payment assistance in Houston?
- Will a higher credit score get me a better mortgage?
Educational content only; not financial, legal, or tax advice, a commitment to lend, or an offer of credit. Program requirements vary by lender and change over time; eligibility depends on your full financial profile. Warens Financial Group, NMLS #2532048. Franklin Warens, Mortgage Broker, NMLS #1249423. Equal Housing Opportunity.
Reading is a start. Knowing where you stand is better.
Every situation is different. Our licensed Houston team can look at your credit, budget, and goals and tell you which programs may fit, en inglés o en español. Free, no obligation, and not a commitment to lend.