Our credit has been pulled and all documents sent and approved. I understand our credit will be pulled again as a soft pull. But will this soft pull check our credit score or is it just checking out debit to income? We have an FHA loan and we were advised by our loan officer to put our inspection and appraisal on our credit card. I don't know if we can pay down the card before the statement cuts and a higher utlization may lower scores but won't change our monthly payments. So will the higher cc balance matter?
