Bumping this thread to ask a question that is relevant to my situation.

I have been engaging in some moderate churning... the opportunities are not nearly as great in Canada as they are in the US, so that alone limits what I do. At the moment I have about 6 CCs on the go (all < 1 year) with about that many cancelled in the past year. Balances on all are religiously paid in full every month.

I have a mortgage and a LOC (with nothing owing), and I do not anticipate borrowing anytime soon. HOWEVER, the 5-year term on my 25-year mortgage is expiring soon.

My question is this: if my score has dropped a little as a result of multiple apps over the past year, what (if any) impact is that likely to have on my mortgage renewal?