This again is one of those boring things that we all face one time or another - just like your Uncle Harvey's vacation slides from his trip to Yellowstone.
Credit reports shouldn't scare you. Credit reports while you are shopping for a mortgage shouldn't scare you either. You may worry about shopping your home loan around to a few lenders because you worry they will each pull your credit and make your score go down.
Seriously, there are way more important things going on in the world to worry about. This isn't one of them.
Why? It is because if the lenders pull a credit check within a short period of time of each other (45 days) the credit scoring systems view those as just one single pull. The credit scoring systems understand that you are shopping for the best deal on your loan and they won't ding your score for this.
Now go back to sleep. Everything is going to be ok.
Sarah Rothschild, Realtor & Architectural History Nerd.