You will need to supply your discharge paperwork (showing the judgement discharge) to the credit reporting agencies and ask for your file to be corrected. Your lender/loan officer should be providing direction and assistance with this issue.... more
Probably not. You agreed to a set amount and terms at that time, which is what the bank then set aside for you for closing the refi. If the rates went up would you expect them to pass on the increase to you?
You can always threaten to walk from the refinance if they don't drop the rate but they guaranteed to honor the rate you agreed to before and my feeling is you should do the same.... more