Reply
Established Member
HomeBuyer13
Posts: 41
Registered: ‎04-02-2013
0

Ugh! Worried....New HARD credit inquiry

I just got an alert from CreditKarma that I have a hard inquiry from May 15th.  I have no clue where it's from.  On CreditKarma it says Lender: CREDIT PLUS.  Industry: Miscellaneous, Not Elsewhere Classified

 

The only thing I did was transfer my Verizon # to Sprint on my mom's account and it asked for my SS# in order to do that.

 

My loan was sent to the USDA and my closing is the 28th.  Will this affect my file???  I'm a little worried now because I hope it does not affect me.  I am almost at the finish line.

Established Contributor
foofighter74
Posts: 828
Registered: ‎12-09-2012
0

Re: Ugh! Worried....New HARD credit inquiry

I'm going to go ahead and guess the inquiry is from your final credit pull ahead of getting the clear to close. 

Established Member
HomeBuyer13
Posts: 41
Registered: ‎04-02-2013
0

Re: Ugh! Worried....New HARD credit inquiry

My file was sent to USDA on May 15th.

Valued Contributor
Mike_B03
Posts: 1,146
Registered: ‎11-30-2012
0

Re: Ugh! Worried....New HARD credit inquiry

So the file was sent to USDA on May 15th...and you had a credit inquiry on May 15th...that's from "Lender: CREDIT PLUS"...

 

Hmm...could it all be related? :smileyvery-happy: Haha just giving you a hard time, you're fine, don't stress about it.

Established Contributor
foofighter74
Posts: 828
Registered: ‎12-09-2012
0

Re: Ugh! Worried....New HARD credit inquiry


HomeBuyer13 wrote:

My file was sent to USDA on May 15th.


Yup, they pulled your credit.  This is a good thing, not a bad thing. Means someone's eyeballing your file and it's not sitting in mortgage limbo. 

 

Good news will be coming your way soon.

Valued Contributor
tooleman694
Posts: 2,297
Registered: ‎08-25-2011
0

Re: Ugh! Worried....New HARD credit inquiry

yeah im pretty sure credit plus is a mortgage pull.

Established Member
HomeBuyer13
Posts: 41
Registered: ‎04-02-2013
0

Re: Ugh! Worried....New HARD credit inquiry

Phew!  Thank god.  I was about to sweat more bullets. haha

Established Contributor
foofighter74
Posts: 828
Registered: ‎12-09-2012
0

Re: Ugh! Worried....New HARD credit inquiry

You can prepare your happy dance.  lol

Contributor
Jaguars28fan
Posts: 77
Registered: ‎07-12-2011
0

Re: Ugh! Worried....New HARD credit inquiry

just wondering, is this guaranteed, and in what state?  Our file just got sent the 17th and we're set to close on the 30th.  Kinda close to your timeline.  We haven't gotten any credit pulls yet, I'm hoping that's a good sign for you and something I can look forward to. 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}