Soft Pull

[Alex311]

Wondering if a mortgage company can "soft pull" your credit report to see an updated score. I'm shopping my rate around, and was able to raise my score about 30 points since initially applying(688 middle to 715). I'd like to have an updated score with them to see any new options, but seeing that my closing date is literally 6 months away I don't want another hard pull if it's not necessary.....

[ShanetheMortgageMan]

Some credit vendors have the ability to do a soft pull, can't actually be used to close the loan but can get your current mortgage score.  If you already know what your mortgage scores are then it's not needed however, as you can just tell your loan officer what your current score is and ask what the terms would be for it.  Shouldn't have any problem getting rates quoted to you that way.