Hi all - 1. In many mortgage qual criteria I see something like 'no more than 2 times 30 days late in the past year', or something along those lines. My question is this - where do they obtain the late count from. I know that for mortgages, they typically do a triple pull and use the middle score. Do they then count lates off of that report, or do they count lates on all of the reports? 2. I know that each hard inq makes your score go down... is the lowering of score caused by a hard pull reflected in that pull, or only on later pulls? eg, does the reviewer see the impact of the hard on the report they pulled, or do only subsequent reviews see it? Thanks!
