No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Does your credit get run again before they issue the clear to close or right before your closing date? I just received the CTC today but I don't close until the 30th. Did they do the last soft pull today or will they do it later this week?
Thanks!
@newhouse2013 wrote:Does your credit get run again before they issue the clear to close or right before your closing date? I just received the CTC today but I don't close until the 30th. Did they do the last soft pull today or will they do it later this week?
Thanks!
I closed on my house September 9th and my bank did not do another pull however some banks do another pull the best way to find out is to do what I did and just ask your LO.
They did not repull me before I closed.
I got softed right before closing and then for like 3 days after closing.
@Amythyst wrote:I got softed right before closing and then for like 3 days after closing.
3 days after??...that is the first I heard of that.
Yes, they reserve the right to check up to 5 days after closing... at least my lender did. Most of the advice I heard was not to touch your credit at all until at least a week after closing and at bare minimum until the deed is recorded. I was told it is not officially official until the deed gets recorded and the loan is funded.
Good to know! Thank you
Mine was pulled the day of funding.
Nothing they can do after if it funded. My loan funded the day I closed and I went out and got a lowes card the same day.