Zach, I do more than that, but you are the expert in a well known house. I just tell them, they have a whole bunch of inexperienced guys doing credit pulls which will diminish your score. You would be well advised to not allow that to happen. They will all send you apps allowing them to pull your credit, we are all commissioned salespeople, it is your choice as to who you want working for you...some kid in a boiler room or an experienced person that's done it for years.