Denied with a 646 credit score.We recently went through a long drawn out mortgage application that last since April 2012. Eventually it was denied "deliquent past or present obligations with others"It has been since Feb 2011 since there was only a 30 day late payment. I just checked my credit score and I have a 681 694 654. I've also paid off 2 credit cards that have not been reported. I know that we're supposed to shop for mortgage within the 30 days for the impact of inquiries on credit reports. Since we've been waiting for approval since April, we're obviously past that timeframe. My question is how soon is too soon to check with another lender?August 15 2012 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.