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.