While applying for mortgage refinancing, I asked the loan officer for credit score wisdom based on her experience. I knew most of the advice but I found some of her comments interesting so I’ll post the collection of advice, tips, and cautions.
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• A hard credit pull negatively impacts your credit score. A hard pull is a loan application that would result in credit if approved. If you check your own credit, it is a soft pull and does not effect our credit score.
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