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Will My Credit Score Drop When You "Pull" My Credit For A Mortgage Application?

Updated: Nov 15, 2023

This is SUCH a common question. Let's address this as it's probably the most asked question I get when meeting with new clients.

Right from the Equifax Canada website:

Exceptions to the impact on your credit scores

If you're shopping for some types of loans, such as a mortgage loan, multiple inquires for the same purpose within a certain period of time are generally counted as one inquiry. The timeframes may vary, but range from 14 days to 45 days, depending on the credit scoring model being used. All inquiries will show on your credit reports, but generally only one within the specified period of time will impact your credit scores. This exception does not apply to credit cards.

Sooooooo, no. You do need to fear your bureau being "pulled" and impacting your score.

More info on score impacts, visit the Equifax Canada website by clicking here.


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