Credit Report For Mortgage Application
2010
How to apply the effect to refinance my credit card?
I forgot that I wanted to refinance my mortgage, then accidentally response to an invitation to apply for a credit card. As soon as I realize that it was too later. Although not approved .. has already executed my credit. 1) the amount of score is reduced by the application of credit cards? 2) Is it better to cancel the application? or keep it? Since already run the credit report, make a difference? Oh, wow, thanks! 20 points! It's crazy … the person that the formula does not seem to be only a few hundred / thousands of dollars of credit should not affect my spending accordingly.
A number of new credit card will not lower your score 20 points. You ding get some points of the investigation, but will not make much impact on your score. It affects your mortgage application. It is wrong to open new credit cards before apply for a mortgage. Too late to do anything now. Just cross your fingers and hope the rest of you credit / score is good enough to overcome this new line of credit.
The Mortgage Messenger – Understanding Your Credit Report
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