My question applies to CLI also. I've read tales of CC companies and banks making decisions based on old information -- how prevalent is this?
I'm anxious to apply with NFCU but expect my scores to improve later in the month when a couple of CLI & payments report, dropping my UTIL about 11 percentage points. But when I next do my 3 bureau credit report will NFCU have the same information/scores that I have, or will they be using dated information? If I was to log into one of the Pre-Qual sites and enter my info would it pull that day's information/scores or some previous version?
Also, I've been pre-approved for a loan with LC but I'm not crazy about the terms -- how do I get it to refresh & pull new info?
