Can you make me less worried? *Serious answers only!*?
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It is possible that it will affect you.
Lenders are jittery right now and rightfully so. So, if they do pull credit again prior to the transaction closing, they may, at the very least, want a "Letter of Explanation" showing why this credit was pulled.
You should NEVER apply for a credit card or charge big ticket items to an existing card until after the closing of a purchase. Understand, loans do make it to the closing department and never make it out. I hope you won't have difficulties but your lender and/or agent should have explained this to you prior to now.
Best of luck.
Can you make me less worried? *Serious answers only!*?Credit Scores are not the only thing lenders care about!!!
While your score is good enough to not worry, what the lender will take a closer look at is your monthly income vs. monthly debt because that furniture is going to add to your monthly debt.
If your income is good, compared to your monthly debt, and you are well within the lenders threshold, then I would not worry about it.
If you just squeezed by b/c you have 3 car payments and $100,000 in student loans, then yes cancel the order.
Can you make me less worried? *Serious answers only!*?This seems like my 50th serious answer to your questions.
It may not be a problem at all, and it seems like you are tearing your hair out over something that is DONE. There is absolutely nothing you can do at this point to change this. If the lender has a problem with your actions, you'll know soon enough. But it may be just fine, your credit score is good, I'll assume your debt to income ratio is fine.
Deep breaths. It is going to be OK.
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