Credit Report Q&A

Will contacting my mortgage servicer affect my FICO score?

Simply contacting your servicer with questions has no effect on your FICO® score. If your servicer needs to check your credit, they must get your permission first. A credit check would result in an inquiry on your credit report, which can have a small impact on your score.

Any action after that may also impact your score—for example, if you pursue refinancing or loan modifications. Learn more.

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