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Just curious, our loan officer said that if we had a drop on our score below the threshold for our current rates, that it won't matter as long as there is nothing negative and no big increase in debt, or new credit accounts. He said the first score is the one they use, and the second pull is just to make sure no major changes, and a small point drop, even below the rate level, won't change anything.
Anyone else told that, or have that experience? I ask because we were one point over.. so cutting it close.
My second pull was WAY better, so what my LO did was 'cancel' the first app and did a new one with the better rate and costs.