Y***o
发帖数: 4135 | 1 【 以下文字转载自 Living 讨论区 】
发信人: Yazoo (小福子), 信区: Living
标 题: 请教： 刚进入Escrow,有几个问题。
发信站: BBS 未名空间站 (Tue May 4 00:02:59 2010, 美东)
找贷款 - 信用分数问题： 贷款利率的分界线是740 还是720?
我们的信用分数是 760，担心找贷款是多家公司都pull信用分数，会不会多次扣分?
Credit 会不会多次被扣？会不会降到740，甚至是720 以下，以至影响利率? |
r******d
发帖数: 1879 | 2 Credit checks for loan purpose from several lenders within days of each
other are considered only one inquiry by credit bureaus, and it may only
lower your credit by a fraction. |
r******d
发帖数: 1879 | 3 and most lenders consider 740 the best score. |
h****7
发帖数: 93 | 4 it might be case by case, depend on your credit history as well.
My case, it lowed 40 when I pull them 3 times in one month for same purpose. |
Y***o
发帖数: 4135 | 5 Do I have risk to go below <740 from 760 for a few inquiries?
Thanks
【在 r******d 的大作中提到】
: and most lenders consider 740 the best score.
|
Y***o
发帖数: 4135 | 6 That would be bad for me...if I got -40.
Thanks for sharing your exp.
purpose.
【在 h****7 的大作中提到】
: it might be case by case, depend on your credit history as well.
: My case, it lowed 40 when I pull them 3 times in one month for same purpose.
|
t****u
发帖数: 8614 | 7 Unlikely.
If you can make 25% down payment, no difference above 720.
【在 Y***o 的大作中提到】
: Do I have risk to go below <740 from 760 for a few inquiries?
: Thanks
|
Y***o
发帖数: 4135 | 8 Thanks Tony.
How about only 20%? Would this make a difference at > 720?
【在 t****u 的大作中提到】
: Unlikely.
: If you can make 25% down payment, no difference above 720.
|
r******d
发帖数: 1879 | 9 that will make a difference for some lenders, be preparied to be charged
higher rates. And again, I never know anyone whose credit was lowered 40
points for just one loan. |
