05-17-2013 10:16 AM
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.
05-17-2013 10:27 AM
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? Haha just giving you a hard time, you're fine, don't stress about it.
05-17-2013 10:29 AM
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.
05-21-2013 08:53 AM
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.