How many times can one mortgage company collect you credit report, legally?

Are they allowed to pull your credit however many times they want?How many times can one mortgage company collect you credit report, legally?
they are allowed to pull it once when you ask them tooHow many times can one mortgage company collect you credit report, legally?
They are authorized to pull it when you submit for credit. Also, if you have a current mortgage with them they are allowed to check it periodically. If you default or miss payment they could check it etc. If you only submitted the application once with them and then never followed up, they can't just keep checking it forever.
When you apply with a mortgage broker, he's going to shop around.


The broker is trying to get the best deal that his lenders will give him in order to make you an offer.


These lenders in turn check your report too.


You might see several hard pulls on your reports from different mortgage companies.





Even though you see 4 or even 5 pulls on your reports, they only count as one single hard pull, (when it counts for your scores) if it's within a 30 day period. FICO understands that people shop around for a mortgage and forgive the many pulls on the credit reports!
If you are applying, they can only pull it to process the application. If they turn you down or you withdraw the application, that's it.





If you are doing business with them, they can check as much as they want. These are ';status'; inquiries and don't affect your score. (They will frequently pull a status just before closing, to make sure there is no material deterioration in your credit.)