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Old 09-20-2008, 07:44 PM
 
Location: Charlotte, North Carolina
5,137 posts, read 15,098,996 times
Reputation: 1008

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that has been there for a while.

almost all the credit providers like CBCInnovis, Fiserv, Credco, Landsafe, Advantage, etc are using the newest models.

I think 2 later models have passed since they announced the 30 day window.

Quote:
Originally Posted by SmartMoney View Post
<BEG>

Actually, I gave the shortest range to err on the side of being conservative. From myfico.com:

For FICO scores calculated from older versions of the scoring formula, this shopping period is any 14 day span. For FICO scores calculated from the newest versions of the scoring formula, this shopping period is any 45 day span. Each lender chooses which version of the FICO scoring formula it wants the credit reporting agency to use to calculate your FICO score.
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Old 09-22-2008, 06:31 PM
 
Location: Not where you ever lived
11,544 posts, read 25,091,380 times
Reputation: 6183
Default Is this true?

Quote:
Originally Posted by SmartMoney View Post
<BEG>
Each lender chooses which version of the FICO scoring formula it wants the credit reporting agency to use to calculate your FICO score
.
Is it true the bank can look at FICO without causing the score to chante negatively?
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Old 09-22-2008, 06:32 PM
 
Location: Charlotte, North Carolina
5,137 posts, read 15,098,996 times
Reputation: 1008
yes and no

if they do a soft pull then no
if they do a hard pull then yes.

the MAJORITY of the lenders do a hard pull

Quote:
Originally Posted by linicx View Post
Is it true the bank can look at FICO without causing the score to chante negatively?
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Old 09-16-2014, 04:45 AM
 
2 posts, read 1,054 times
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Hi, im ana i would like to know "what us the best way to go to refi, im new at this and i would like if it would b better with my present bank "Wells Fargo" or shop around for better refi rate im on a FHA LOAN now but i dont think i can go to a regular loan but "RATE IS TO HIGH" 5.8% i would like to lower rate and shrink my loan to 10-15 yrs. HELP!
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Old 09-16-2014, 04:52 AM
 
2 posts, read 1,054 times
Reputation: 10
Im new at this and im not sure where to start but for now i have sent notice to my bank if i could lower my rate and loan "really 30 yrs" loan my car loan is 4 now. Lol. Anyway i would like any advise from all experts which is the best way and strategy to have to refi easy loan and rate with "upfront close and/or closing costs".
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