Thread: Inquiries from current lenders,, CC and mortgage etc...

really no one...

Originally Posted by Bullcrappy

If you request a credit limit increase and the credit card company does a fresh pull does it really affect you as they have a right to look as they are currently issuing you credit.

What about your mortgage company? if i request to refi and they obviously pull my report would it ding me really as they are my loan holder currently and this does not look like "shopping" etc...

thanks for any input

bull

I think the answer would be "yes" to both scenarios, since new credit would be issued if the application is approved. Even if you refi your mortgage with your current lender, for all intents and purposes the loan instrument is completely different (with the exception of a few rare cases) and looks like different credit entirely.