Hi, guys...I've looked for an answer to this question a lot through google, etc., and I've skimmed as many posts here as time would permit...any help you could provide would be greatly appreciated. When you apply for a mortgage, etc., is it your score on the day you apply that really matters, or do most companies look at a range of scores? I ask b/c my score recently fluctuated b/c I paid off an auto loan (strange but true--that will send it down a bit). I'm pretty sure that over time, it will go back up, and I won't be applying for a loan for a while...any idea what the general practice is, though? Thanks!
Usually a mortgage lender will pull your score from all three reporting agencies when you fill out an application. They will usually use the middle score for their decision. I had never heard of a lender that will pull your score again before escrow closing but I suppose that can happen. Underwriters are known to check and double check everything that is submitted.
