I just closed on my refinance on 5/1 with Countrywide. The new loan # was updated and listed on the web-site today. I just checked all three CRAs and noticed that Countrywide pulled a hard inquiry on all three reports today , 5/2, one day after closing. Is this normal?? My scores are the same when compared to the 1st time my report was pulled 45 days ago.
Yes, pulling multiple inquries on a mortgage loan is normal and one right befor closing just so they know nothing has unexpectedly come up. I believe multiple inquiries is considered as one if they pull with-in a certian time period.
Thanks..In my case they pulled a report one day after closing and not one day before. Does it make any difference?
I had Countrywide Mortgage investigate why they have pulled 2 hard inquiries a week or two after my refinance with them closed. They had a Manager in the credit dept (this is the person who investigates all vredit reporting) in Pasedena look into this the past 3 days. She stated they only pulled one inquiry on 3/5 when I first applied. Their records show no more inquiries were pulled??? I have ordered and talked to all 3 CRAs and verified 2 hard inquiries were pulled by Countrywide on 5/2 and 5/10?? WTF?? If they investigated and don't see them then why are they on my report. Should I ask for a letter from Countrywide at this point stating they never pulled my credit after 3/5/2002? Please help!!
