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 about refinancing.