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Old 01-03-2013, 09:13 PM   #1
ilovediznee
Always planning our next trip home to Disney!!!
 
Join Date: Apr 2001
Location: lexington, sc
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Refinancing - pulling our credit report question

Hello Dis family,

First, I want to say a big thanks to everyone who has posted about their mortgage refinancing experiences. I've learned a lot and began calling places today.

Here is my question. I truly believe in dealing with people who treat you with respect, listen to what you say and answer your questions. I am asking each and evey place the same questions. BUT this is my question - let's say I call 6 places that I am interested in and then cut it down to 3 places (banks, credit unions, etc). Should I decide on one BEFORE I authorize them to pull a credit report, or let all threee pull one? I've read and heard that every time your credit report is pulled it can bring your point value down. I certainly don't want all these random places pulling my credit.

Now I thought of another questions. We refinanced my husband's car about 3 or 4 months ago and can I assume that the credit union pulled it at that time to approve his loan. If so and I use that credit union for our mortgage refinancing, will they pull another? I wasn't sure if they would pull it again since we just changed his car over under 6 months ago.

Any and all advice would be appreciated.

Thanks - Diane
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