Home Buying in 77065>Question Details

Vboyd, Other/Just Looking in 77375

Is there a way for a lender to check my credit score without pulling it down anymore.We were 18 points away from a 620 and my hubby is a Veteran

Asked by Vboyd, 77375 Thu Jul 5, 2012

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Within a short window of time, say 30 days or so, mortgage pulls are all supposed to count as 1 pull. However, past that time frame, more pulls can definitely cost you points. I would hope the lender who told you the midscore was 620 could help you with ideas to raise your score. If you want other opinions, ask for a copy of the first report so you can share it with other loan officers to get their ideas for working on your score. They wouldn't be able to use it for their final loan submission, but it could be useful for discussion purposes.

Barbara Coker
100% Home Loans All Over Texas!
1 vote Thank Flag Link Thu Jul 5, 2012
First make sure you have taken steps to increase the odds your score will be higher. Paying off or paying down debts etc will help. Once you have done that then you can pull your credit through http://www.AnnualCreditReport.com (Not Free Credit Report .com) The former is run by all 3 of the credit reporting companies. You can pull your credit once each year for free but it's just your credit. It costs about $7 per bureau to get your scores.

That should not show up has a hard pull and should give you a good idea of where you stand.

Best of luck to you,

Don Groff
REALTOR® | Mortgage Broker
Keller Williams Realty | 360 Lending Group
o 512.669.5599 m 512.633.4157
listings@dongroff.com | http://www.AustinListed.com
0 votes Thank Flag Link Fri Jul 6, 2012
Barbara is right.
Pulls withing 30 days all count as one.

No... A lender cannot do a soft pull. We do hard pulls are they will affect the score unless it is a subsequent pull like described above.

Tom Burris
Mortgage Banker
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
NMLS# 335055
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0 votes Thank Flag Link Thu Jul 5, 2012
Mrs. Boyd,

You should not be affected by an inquiry from a mortgage company or bank as those inquiries aren't viewed in the same manner as dept. stores, credit cards, etc. Now, if you've applied for other things recently, then you're affected by any kind of inquiry as you have to be cautious of how frequently you've had your credit checked. If you haven't done anything with your credit while you were trying to "rebuild/re-establish" your credit, then you'll be fine. Just know that there are many factors that go into a credit score, however NO LENDER will be able to tell you how close or far you are from obtaining financing. I'd suggest you pick a lender and stick with them to avoid several inquiries even though you are allowed to shop lenders and not have your credit affected. You just want to be sure that the lender you chose will work with you as many will simply forget about you if you don't qualify today instead of telling you what you need to do over the next few weeks/months to get approved.
0 votes Thank Flag Link Thu Jul 5, 2012

Give me a call and we can talk about you situation. I deal with a lot of veterans and people who are very close to approvals and have gotten them to where they need to be.
0 votes Thank Flag Link Thu Jul 5, 2012
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