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@jules0580 wrote:
I have seen so many people say navy federal doesn't do a soft pull before closing and so many saying they definitely would. So tell me if they pulled yours- navy federal specifically - right before close.
Second part of the question - I did not add any new debt, did not effect my DTI but I wasn't thinking and I got the zero percent balance transfer check offers from several of my cards so I basically moved my debt around instead of keeping it spread across multiple cards I now have higher balances on two cards but lower on the others. Is this going to be an issue: I wasn't thinking when I did this ughh
Whether they pulled my CR or whether they pulled someone's else's CR shouldn't be the question; nor should you be getting the answer from a forum--only your LO! And just always assume a "pull" whether you're buying a house, leasing a car, asking for a CLI, no matter what. This way, you'll always be on the side of safe.
So all is not doomed. Just call you LO and explain, and let him/her tell you what to do going forward.