大家pre-approval letter都查credit score了么？# Living
s*u
1 楼
如果30天没有买好房子，那还得重新再做一次，是不是会hurt credit?
要看好房子准备下offer了再弄么？
要看好房子准备下offer了再弄么？
s*8
2 楼
绝对不让查。
p*9
3 楼
no credt check for sure.
just get one before making an offer.
【在 s***u 的大作中提到】
: 如果30天没有买好房子，那还得重新再做一次，是不是会hurt credit?
: 要看好房子准备下offer了再弄么？
just get one before making an offer.
【在 s***u 的大作中提到】
: 如果30天没有买好房子，那还得重新再做一次，是不是会hurt credit?
: 要看好房子准备下offer了再弄么？
b*3
4 楼
没必要
p*5
5 楼
我去BoA，查了，电话里面告诉我必须查，就认了
反正听说90天之内因贷款查多少次都没关系
【在 s***u 的大作中提到】
: 如果30天没有买好房子，那还得重新再做一次，是不是会hurt credit?
: 要看好房子准备下offer了再弄么？
反正听说90天之内因贷款查多少次都没关系
【在 s***u 的大作中提到】
: 如果30天没有买好房子，那还得重新再做一次，是不是会hurt credit?
: 要看好房子准备下offer了再弄么？
k*a
6 楼
depend on banks
some require
some require
j*0
7 楼
If you are working with decent lender, you need to allow them to run your
credit.
The purpose is to know your debt which will affect how much loan you can get
. Lenders can not be dependent on clients' words, rather, they have to rely
on third-party information.
Some lenders will give you pre-qualification letter without running your
credit. For most of cases, sellers will not accept this letter.
Yes, it might hurt your credit. So you can wait to see you are almost there.
Right lender will provide you very quickly if you can submit your docs
quickly.
【在 s***u 的大作中提到】
: 如果30天没有买好房子，那还得重新再做一次，是不是会hurt credit?
: 要看好房子准备下offer了再弄么？
credit.
The purpose is to know your debt which will affect how much loan you can get
. Lenders can not be dependent on clients' words, rather, they have to rely
on third-party information.
Some lenders will give you pre-qualification letter without running your
credit. For most of cases, sellers will not accept this letter.
Yes, it might hurt your credit. So you can wait to see you are almost there.
Right lender will provide you very quickly if you can submit your docs
quickly.
【在 s***u 的大作中提到】
: 如果30天没有买好房子，那还得重新再做一次，是不是会hurt credit?
: 要看好房子准备下offer了再弄么？
s*8
8 楼
错！90天内没关系是指同一个lender，如果你换lender立刻就有关系了，credit score
几乎查一次降10分，查一次算一次。我吃过大亏！
【在 p**5 的大作中提到】
: 我去BoA，查了，电话里面告诉我必须查，就认了
: 反正听说90天之内因贷款查多少次都没关系
几乎查一次降10分，查一次算一次。我吃过大亏！
【在 p**5 的大作中提到】
: 我去BoA，查了，电话里面告诉我必须查，就认了
: 反正听说90天之内因贷款查多少次都没关系
p*q
9 楼
都查了3次了 55
b*d
10 楼
如果去找Direct Lender肯定是要查Credit的。
【在 p**********9 的大作中提到】
: no credt check for sure.
: just get one before making an offer.
【在 p**********9 的大作中提到】
: no credt check for sure.
: just get one before making an offer.
s*8
11 楼
我自己查好，把三家的report和score涂掉SSN发过去。direct lender，不查。
想做生意，一般都会接受。不接受，换个人就是了，反正一个lender里人多得是。
【在 b*d 的大作中提到】
: 如果去找Direct Lender肯定是要查Credit的。
想做生意，一般都会接受。不接受，换个人就是了，反正一个lender里人多得是。
【在 b*d 的大作中提到】
: 如果去找Direct Lender肯定是要查Credit的。
j*0
12 楼
I see why we lost business from you :)
just kidding
【在 s******8 的大作中提到】
: 我自己查好，把三家的report和score涂掉SSN发过去。direct lender，不查。
: 想做生意，一般都会接受。不接受，换个人就是了，反正一个lender里人多得是。
just kidding
【在 s******8 的大作中提到】
: 我自己查好，把三家的report和score涂掉SSN发过去。direct lender，不查。
: 想做生意，一般都会接受。不接受，换个人就是了，反正一个lender里人多得是。
s*8
13 楼
如果你是个有良心的agent，就应该告诉borrower，"你在我们这儿查信用会影响到你在
别人那儿的credit score"。而不是流传的30天，90天的谣言。
【在 j*******0 的大作中提到】
: I see why we lost business from you :)
: just kidding
别人那儿的credit score"。而不是流传的30天，90天的谣言。
【在 j*******0 的大作中提到】
: I see why we lost business from you :)
: just kidding
j*0
14 楼
pat, pat, we did not know each other.
It is really a two-way trust in loan financing process.
Most of people know that credit score will be affected if hard run occurs.
But how much it affects and what are the factors are hard to tell. They are
really dependent on the models built up by three credit bureaus. As they
constantly change their models due to business needs, you will never know
until damage is done.
No free meal in this world.
Find the one you trust and stick with it is a good choice for a lot of
people. With time saved, many people can spend them in more important
investment opportunities.
Integrity is always important for loan agents. If they do something wrong to
attract their clients, they can pray on their clients later.
【在 s******8 的大作中提到】
: 如果你是个有良心的agent，就应该告诉borrower，"你在我们这儿查信用会影响到你在
: 别人那儿的credit score"。而不是流传的30天，90天的谣言。
It is really a two-way trust in loan financing process.
Most of people know that credit score will be affected if hard run occurs.
But how much it affects and what are the factors are hard to tell. They are
really dependent on the models built up by three credit bureaus. As they
constantly change their models due to business needs, you will never know
until damage is done.
No free meal in this world.
Find the one you trust and stick with it is a good choice for a lot of
people. With time saved, many people can spend them in more important
investment opportunities.
Integrity is always important for loan agents. If they do something wrong to
attract their clients, they can pray on their clients later.
【在 s******8 的大作中提到】
: 如果你是个有良心的agent，就应该告诉borrower，"你在我们这儿查信用会影响到你在
: 别人那儿的credit score"。而不是流传的30天，90天的谣言。
H*g
15 楼
If it's pre-approved letter, credit check is needed. Not necessary for pre-
qualify letter.
【在 s***u 的大作中提到】
: 如果30天没有买好房子，那还得重新再做一次，是不是会hurt credit?
: 要看好房子准备下offer了再弄么？
qualify letter.
【在 s***u 的大作中提到】
: 如果30天没有买好房子，那还得重新再做一次，是不是会hurt credit?
: 要看好房子准备下offer了再弄么？
s*u
16 楼
不是说同一项查询，就酸一次的么。。。怎么会查一次降10分....
score
【在 s******8 的大作中提到】
: 错！90天内没关系是指同一个lender，如果你换lender立刻就有关系了，credit score
: 几乎查一次降10分，查一次算一次。我吃过大亏！
score
【在 s******8 的大作中提到】
: 错！90天内没关系是指同一个lender，如果你换lender立刻就有关系了，credit score
: 几乎查一次降10分，查一次算一次。我吃过大亏！
S*S
17 楼
那还怎么shop around 找好的rate?问一家少10分，问多几家就完了。
score
【在 s******8 的大作中提到】
: 错！90天内没关系是指同一个lender，如果你换lender立刻就有关系了，credit score
: 几乎查一次降10分，查一次算一次。我吃过大亏！
score
【在 s******8 的大作中提到】
: 错！90天内没关系是指同一个lender，如果你换lender立刻就有关系了，credit score
: 几乎查一次降10分，查一次算一次。我吃过大亏！
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