I know that I've seen this asked before, but I can't find the post...sorry to repeat a question!
I am wondering if when a company requests your credit, if the score decrease is immediate...will the score they see be decreased, or if the decrease will come later? I am asking because we are getting ready to lock in a rate for the home we are building and the lender will be pulling new reports. We are way out of our two week shopping period so I am afraid of how many points it will effect my score when they pull again.
Also, we will most likely be locking in a rate in October but won't be closing until the end of November...do you think they will pull reports again before closing?
