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CTC on Refi but Current Mortgagee Pulled My Credit

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economan
Established Member

CTC on Refi but Current Mortgagee Pulled My Credit

So Iwas just given the CTC call today- sign docs Friday. 

 

But...About a week ago my current lender called me and asked if they could try to beat my refi offer. I said sure, and the guy asked if everything had basically stayed the same. I didn't realize that they were going to pull my credit.  I also gave him an earful for pulling my credit wihtoput my expressed permission. He said he did ask...I said he didn't....   In any case they couldn't beat the refi offer and I passed.

 

I am worried that this inquiry might delay/affect my closing on the refi. Should I proactively warn the new lender? Will it even matter? Should I get a letter from current lender stating no new account/debt/credit extended?

 

Thanks.

 

 

Message 1 of 3
2 REPLIES 2
DallasLoanGuy
Super Contributor

Re: CTC on Refi but Current Mortgagee Pulled My Credit

no sweat.

 

tell loan officer ad write letter explaining

 

Retired Lender
Message 2 of 3
economan
Established Member

Re: CTC on Refi but Current Mortgagee Pulled My Credit

So let them know asap?

 

Message 3 of 3
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