Nope -- 1st is for the "prequalify" and the 2nd is for the actual underwriting. I got 2 inquiries for the WaMu app I put in, and 3 for the B of A app. (1 for prequalify, 1 for First American CredCo [tri-merge] and 1 for final underwriting. I've been watching credit expert like a hawk, and I haven't seen my scores move because of it. My report is fast approaching 15 pages long ... however! -mj
