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Hard Pulls before closing ?

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Established Contributor

Hard Pulls before closing ?

I'm closing on Monday but I wanted to know if it was okay to ask for a cli on some of my current accounts which may result in a hard pull or should I just wait ? Most of my accounts want to hard pull for a cli, some do not. 

BK7 Discharge 1/16
10/15 ~ EQ: 406; TU: 520
10/18 ~ EX: 666; TU: 646; EQ: 652
Message 1 of 7
6 REPLIES 6
New Contributor

Re: Hard Pulls before closing ?


@stinastina wrote:

I'm closing on Monday but I wanted to know if it was okay to ask for a cli on some of my current accounts which may result in a hard pull or should I just wait ? Most of my accounts want to hard pull for a cli, some do not. 


Today is Wednesday. You close in under a week on Monday. Is there a reason why the CLI requests can't wait until Tuesday? I'd suggest no financial moves until you've closed.

Message 2 of 7
Established Contributor

Re: Hard Pulls before closing ?


@homebuyer360 wrote:

@stinastina wrote:

I'm closing on Monday but I wanted to know if it was okay to ask for a cli on some of my current accounts which may result in a hard pull or should I just wait ? Most of my accounts want to hard pull for a cli, some do not. 


Today is Wednesday. You close in under a week on Monday. Is there a reason why the CLI requests can't wait until Tuesday? I'd suggest no financial moves until you've closed.


Of course, everything can wait but I was just wondering if that would be an issue for accounts I already have open. If it is,  I would definitely wait.

BK7 Discharge 1/16
10/15 ~ EQ: 406; TU: 520
10/18 ~ EX: 666; TU: 646; EQ: 652
Message 3 of 7
Frequent Contributor

Re: Hard Pulls before closing ?

Underwriting will do a soft credit pull the day of or day before closing. When they see any new credit pulls you'll have to verify if you opened up any new credit and have to write a letter of explanation. This may delay closing
Message 4 of 7
Established Contributor

Re: Hard Pulls before closing ?


@Mortgage-Specialist wrote:
Underwriting will do a soft credit pull the day of or day before closing. When they see any new credit pulls you'll have to verify if you opened up any new credit and have to write a letter of explanation. This may delay closing

Thanks ! 

BK7 Discharge 1/16
10/15 ~ EQ: 406; TU: 520
10/18 ~ EX: 666; TU: 646; EQ: 652
Message 5 of 7
Valued Contributor

Re: Hard Pulls before closing ?

DON’T DO IT!!!! Yes I’m yelling!
Message 6 of 7
Established Contributor

Re: Hard Pulls before closing ?

I heard you ! Smiley Very Happy

BK7 Discharge 1/16
10/15 ~ EQ: 406; TU: 520
10/18 ~ EX: 666; TU: 646; EQ: 652
Message 7 of 7
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