Are credit pulls required for everyone re qualification and at the time of credit access? I’m not really concerned with the fee, just want some insight on the reasons for pulls. I was under the impression that they are only pulled if it’s been more than 3 months. I didn’t ask my initial question correctly.
Every three months since the report is only considered valid for 90 days (which also covers re-qualification since your qualification is itself good for six months), and a fresh one at credit access to do a last minute check to make sure there are no surprises just before we send the application to the bank.
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