I have been shopping for a morgage, so far 2 people looked at my report. My scores are not great, one 640 and one 619 an then the other one in the 500's. Anyway two brokers pulled my scores I guess to work with me but I have not heard from either one. What is worst when they pulled the hard inquiries they did not code them properlly as "morgage". Arethey require to either send me an offer or a denial letter after they pull my reports?
I've been wondering the same thing. Now I have a hard pull, but no written denial so can't get the free report. I didn't complete an app either, so I'm also thinking of disupting the pp, though I'll want a mortgage with this company someday.
This is the problem I am having. I did not fill out an application, however the morgage broker pulled our scores, so if it is not meant to make an offer then why in the heck they pul the scores? They could have asked me to pulll them if theuy simply wanted to have an ida of what scores where. So now I have a total of three lhard inquiries on my reports and nothing to show for them.
