12-29-2009 09:17 AM
Do you know if they do a hard pull for a Chase Pre-Qualification? I'm already pre-approved through Wells Fargo, but my agent told me to get a pre-approval with Chase because the property we're interested in is bank owned by Chase.
The Chase Pre-Qualification Online Form said that they need more info. I called the 800 number, and they said that they can't pre-qualify at this time, but it costs $395 for a pre-approval from Chase.
I hope I didn't just ding my credit for nothing.
My scores were 801ex, 716tu, 703eq before this. I just bought my tu and eq score earlier this week. I'd hate to dish out another 20 bucks again this week to recheck my scores.
12-29-2009 10:13 AM
12-31-2009 02:52 PM
I forgot to add: if you don't have too many inquiries over the past year, your credit probably will not be "dinged" too much, if at all. I didn't get "dinged" until I had about 4 inquiries. My scores were about the same as yours when I started; they went down some because of the added inquiries. I still got approved, though, and closed yesterday.
Yep....it's true, FICO allows you to mortgage shop; they'll cound 10 inquiries as 1 within a 30 day (I've even heard 45 day) window.
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