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Closing in the next 60 days?

Ask three questions this week.

Reviewed by Thomas Conwell, founder of Credit Technologies · Last reviewed

  1. Which score is on my file now? Ask which model and representative score the loan is using.
  2. Is there anything on the file that could be corrected before I lock? Ask your loan officer to review the actual report before you act on an account.
  3. Is my rate lock long enough for a rescore? The useful question is whether the verified update, reprocessing and underwriting timing fit your transaction.

A rescore is one possible next action, not a required step and not a promised score increase.

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Your next step

Where this fits: you are comparing offers or already under contract.

Bring the three questions to your loan officer

Ask this week, so there is time for any update before you lock.

Find a loan officer in your state

Keep going

Rapid rescore vs. credit repairWho starts each, who pays, and what each can change.Down payment help in your stateState programs and the score rules they use.What to look for in a loan officerQuestions that show who checks your credit before you apply.
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