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How many days before closing is credit pulled?
My closing date is coming soon and I’m a bit nervous. How many days before the closing will the lender check my credit?
Tiffany Leung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on your home purchase! We wish you all the best with closing.
Lenders will typically pull your credit within seven days before closing. However, most lenders will only check with a “soft credit inquiry,” so your credit score won’t be affected.
Here are a few tips to help ensure a smooth closing:
- Avoid incurring new debt—such as new loans—as it could affect your credit score or debt-to-income ratio. You could get turned down if the ratio is too high
- Avoid changing jobs during the closing process, as a sudden change in the frequency and amount of compensation you receive could raise red flags to the lender
- If you need to take out an emergency loan, be sure to have a letter drafted to explain the higher debt balance and how you plan to address the issue
- Prepare a cashier’s check that covers the closing costs listed in the closing disclosure
After closing on your house, don’t forget to get home insurance to protect your property. While shopping for the best policy is a lot of leg work, Jerry can do it for you.
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MORE: Top 5 tips to shop around for mortgage rates
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