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Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Lender pull this morning.

As of this morning per lender, Experian:649 Equifax: 651 Transunion: 683 Movin' up!! Yay!
"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Regular Contributor
igids1
Posts: 191
Registered: ‎07-05-2012

Re: Lender pull this morning.

How often is your lender pulling your score? And it going to end up hurting you having it pulled so much?

Valued Contributor
madmann26
Posts: 1,402
Registered: ‎08-30-2012

Re: Lender pull this morning.

Gratz!! Moving forward is progress.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k
Goal Score: 700 across the board.
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Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Re: Lender pull this morning.

No. Due to it being a mortgage pull, it hasn't hurt me like having a CC pull.

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Re: Lender pull this morning.

That's right!! It's going through a preliminary underwriting right now, and I'm petrified. EEEK. :smileyindifferent:

 

Pray for good things!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Valued Contributor
annielorie
Posts: 1,207
Registered: ‎02-19-2012

Re: Lender pull this morning.

That is incorrect a pull on your credit unless u do it with my fico will result in lost points how often are they pulling your credit.


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

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Chase freedom 800 Never take NO for an answer!!
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Re: Lender pull this morning.

You are incorrect. In my experince, when my mortgage lender has pulled my score, it has not hurt my like a CC pull, as well as, if it has been done within the 2 weeks time frame. Now this has been MY experience.

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Valued Contributor
annielorie
Posts: 1,207
Registered: ‎02-19-2012

Re: Lender pull this morning.

In a two week time frame no it vcounts as one I was under the impression that you were cheking it over a period of time . By the way any pull is the same numerically if 3 cc 3 score losses. if 3 mort pulls within a time frame one score loss . but 1 for 1 is the same score loss.


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Re: Lender pull this morning.

Exactly. We are in the process of getting a mortgage, so the lender has pulled it in the desired time frame, so that my point loss has already happened for this. :smileyhappy:

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Valued Contributor
annielorie
Posts: 1,207
Registered: ‎02-19-2012

Re: Lender pull this morning.

Im sorry Havent been at my fico in awhile I read it that u were still fixing. Good luck with your mortgage n be diligent about checking for the creepy crawlers. Debt collectors come out of the woodworks when ever someone applies for a mortgage. They know people are in a corner often the debt isnt even valid.


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!

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