Very rarely are brokers part of the approval decision. They normally just type in the info for your apps similar to if you applied online in a lot of cases.

No idea if he just said that to get your business or if he believed it.
However a friend of mine was denied for a car loan and the loan rep got directly on the phone with the underwriter and for 30 minutes pushed the underwriter to finally approve him. It can happen, but premature, very premature. My my opinion is that reps don't have a say usually. They like to say your will be approved so they can try and get commission. Some get commission even if you are denied just for an app.
Just make sure they remove the inq. A simple letter stating it was in error should be enough to remove it. Or they can soft code it. Or just remove it them selves. It is very easy for them to remove it if they want to. But someone has to be willing to take the 10 minutes to log in and update it. They may have pulled all 3 CRAs.
Message Edited by ilovepizza on
04-04-2008 01:51 PM