Hmm... I need to find out myself. I don't know what is the answer. I'll do some investigation and get back to you if I bump into an useful answer. You should email the people at Lending Tree as they probably could give you an answer..

Wow 7 points. Interesting. I hed heared 6 points but that's about the same. Has anyone pulled two hard inquires on the same date and seen the point drop?..

Mine dropped 16 pts from a single inquiry. :-).

Now, it had to do with timing and such and going through the Lending Tree mortgage process. I have had 7 inquiries on my reports since Sept 24 from 2 seperate Lending Tree mortgage brokers, Lending Tree mortgage lenders, insurance, etc..

My trans fico score was 702, fell to 698 after 5 of them on 12/13. No other changes on the report, except another month of on time pay. I had one of the Lending Tree mortgage companies pull for a second time right before closing on 12/24, we close 12/27). My score dropped to 682...

That sounds like three inquires. Inquires in a 14 day period for a Lending Tree mortgage are considered one inquiry. 6 points. The insurance inquiry was probably 5 points. The second Lending Tree mortgage inquiry was probably out of the 14 day window and was another 5 points..

I hope you got the house. If so congratulations...

I applied for a chevron and target card on the same day last week. The very next day, my equifax score went down from 683 to 675:( It dropped 7 points. I did get approved for both cards however. I wonder if getting approved or denied has any effect on the score. It probably doesnt, imo. Equifax probably doesnt know until later anyways...

I've had my score drop 14 points on 12-13, after wachovia put a non-permitted inquiry on it. from 732 to 718. right in the middle of a Lending Tree mortgage refi. grrr..

Well, i'm going after wachovia for that...

My score dropped from 721 to 706 with 1 hard inq. (16 points) That was my second in 6 mos..

But notice the reason they give. The lenght of time accounts have been opened is relatively short. (321 mos.), and my newest credit account was opened 5 mos ago..

This score dropped the other day after the hard inq. showed up but the reasons below say nothing about the hard inq..

Go figure..

The length of time your accounts have been established is relatively short.

Your most established credit obligation is 321 months old and your newest credit account was opened 5 months ago. The majority of U.S. consumers have a relatively long credit history - with the average age of their most established credit account being 14 to 15 years. In addition, the average time since the most recent account opening is 20 months ago..

This reason is based on the age of the accounts on your credit bureau report (the age of the oldest account, the average age of accounts, or both). Research shows that consumers with longer credit histories have better repayment risk than those with shorter credit histories. Also, consumers who frequently open new accounts have greater repayment risk than those who don't..

It is a good idea to only apply for credit when you really need it. Meanwhile, maintain low-to-moderate balances and be sure to make your payments on time. Your score should improve as your credit history ages...

One problem with Lending Tree mortgage inquiries is, that they usually don't fall within 14 days of each other. the first one is usually when you apply and since most lenders figure 30 days for closing, the next pull, a day or 2 before closing, falls outside the 14 day timeframe. so, even, if you don't shop around and only work with one lender, you'll still get penalized for the 2 inquiries...

That is what happen with me. I had an initial pull from two Lending Tree mortgage brokers, so I could compare what they could do. Then the one I went with, we decided on a 80/15/5 to avoid PMI, which caused some more inquiries. So far only one of the two Lending Tree mortgage companies (first and second through two seperate lenders) has double pulled. But, none of the pulls occurred within 14 days of each other. Closest was 16 days...

I just recently got dinged 15 points on TU FAKO for just one CC inquiry...