Answer: -The more that companies have to credit check you it does make you credit score go down.I was advised of this by a mortgage broker. -Just getting quotes will not affect your credit rating at all. There is something called a 'footprint' put onto your credit file everytime a full search is done. Lenders can only carry out a full search if you carry on with a full application with them. This rule changed in the past few years so go ahead with your quotes without worrying!!. -You can ask for a quote as many times as you like. the quote is only what the morgage firm says what amount they will be prepared to lend you. Only if you sign up to a morgage agreement will it affect you. -You can go to mortgage companies and see how much they would lend you off your wage as many times and as many companies as you like, but everytime you allow them to do the full credit check on you it leaves a mark on your credit history. So if you went to ten places and got a credit check at each one you would have ten marks on you credit history, and all this wud do to say the 11th company u went to is say to them no we wont lend this person money. It wont say why just the fact you got a lot of marks on you credit. They wont know that you havent taken out all the mortgages or loans etc you were checked out for and even if you told them it wouldnt be enough for them to lend you the money. However you can get these marks taken off your credit history, but it will cost you money and possibly take somtime. My advice wud be to go and ask howmuch you can lend but not allow them to do a credit check until you are ready and happey with there offer. I have been to see about a mortgage to many places and i found Nationwide the most helpful as what im telling you now they explained to me. Yous ee every time you go for a loan, credit card, etc wethere you take it out or not it leaves a mark on your credit history and if you get too many marks in a short period of time it gives u bad credit ratings.If you wanna know more then ask a mortgage lender or i can possibly ekplain it better if you wanna contact me!