Is it worth trying to avoid a hard credit pull a couple months before applying for a mortgage? : personalfinance


Is a hard credit pull for an apartment application going to hurt our credit scores enough to be a concern if we will be shopping for a mortgage loan a couple of months later? If it was a concern, I was thinking of offering to prepay the entire rent for the 6 month lease if they would forgo the credit pull but my husband thinks I’m overthinking this.

My credit score is 740 and I don’t remember what my husband’s is off the top of my head but it was very close to mine. We have zero debt and anticipate no issues in being approved for a VA loan beyond waiting a couple of months after the start of a new job to establish a new income.

Worth it or don’t worry?



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