Hit to credit right before closing

[Anonymous]

Also i spoke with the lender, they said the credit pull is good for 6 months and she said they wouldnt re pull at all🤔 doesnt sound right does it?

[Mortgage-Specialist]

Honestly, I havent heard of a lender allowing a credit report to go 120 days. Looks like this lender has a different guideline

[Anonymous]

Its only been about 60 days as of now

[VALoanMaster]

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@Anonymous wrote:
Also i spoke with the lender, they said the credit pull is good for 6 months and she said they wouldnt re pull at all🤔 doesnt sound right does it?

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The longest I've ever seen a lender go is 120 days with the vast majority of them going out to 90 days. 6 months or 180 days is almost double the normal time frame. Who is the lender?

[Anonymous]

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@Anonymous wrote:
Its only been about 60 days as of now

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Hi, op! This happened to my husband. We paid the original creditor and then called the collection company to tell them that it was paid. At that point, the collection company HAD to remove the account from his credit report, because they no longer had the authority to collect on the debt. The collection company notified the bureaus as soon as they were able to confirm with the original creditor that the bill was paid in full. The longest part of the process was waiting for it to be removed from his credit report. We just disputed it on the reports and stated that the bill had been paid in full with the original creditor and it fell off his reports in about 1 week. Not sure if you will even need to do all that, but just wanted to pass on this story in case it helps. Good luck on your purchase! We will be closing in one week.