Mortgage inquiries are not treated unfavorably as credit card inquiries are by the FICO algorithm.

It's like a self healing algorithm for the building. 

Secondly, note that FICO also updates their algorithms, changing what factors have more or less weight.

The local banks in Northern NJ tend to have great offers but only if you have near or perfect credit and fit all there algorithms  they require.  

The algorithm the IRS uses allows for houses to "wear out" in 27.5 years.

The lender loan report looks sometimes different than a standard credit report as it has specific home loan algorithms factored in.Your broker/agent should not be making these blanket statements on whether you can or cannot get a loan.

I have an algorithm I use to evaluate deals.

The reason that won't matter is because of something that none of the credit bureaus have control over, even if they did use the same algorithm...the reporting.

They compute many of the numbers based on algorithms.

Google's pigeon algorithm looks for more quality content and is more focused on local so building out a site is more now than just giving it a massive number of backlinks.4.