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Christinebeike
[求助]咨询贷款时，都马上给贷款代理你自己的社安号吗？
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2007-04-17 18:47:00
咨询贷款时，都马上给贷款代理你自己的社安号吗？因为代理总要求给社安号，然后才给你报一个利率。听说代理用社安号查信用后，都显示在你的信用报告中。那，如果你咨询好几个贷款，是不是好几个查信用纪录都显示在你的信用报告中呢？
No way ba? No need to tell them. Only tell until you think you will try to get the money from them. Just ask for the best they can offer.
要SSN是为了他们查你的信用记录，然后衡量给你的利率吧
要是不一定选中那里贷款，也可以不告诉他们，我觉得
"要SSN是为了他们查你的信用记录，然后衡量给你的利率吧
要是不一定选中那里贷款，也可以不告诉他们，我觉得"
我是这麽想的。可他们就不给一个利率除非给他们社安号。我想，要是我咨询好几家，那他们还都不得查我的信用吗？拿不到利率，就不知和她们作可否？所以，闹得我不知该怎麽办？上网古古找了一个中国代理，一样的，也要社安号。不知你们有没有好的中国代理推荐？另外，给了一家社安号，给我了一个利率，splits two loans, 1st loan rate is 6.25% 30 years fixed, the 2nd loan rate is 8.5% 7 arm . 你们觉得高不高？一般这种jumbo loan over 417k split two loans利率如何？
不用给，其实你只需要一份信用记录。如果你不在这家做，下一家又要重新去要一份。所以如果他们说要你的社安号才能准确估算的话，你最好自己去要一份，然后你告诉他们你的信用分数就可以了。这样你就可以反复用了。而且我知道有的做贷款的人RP很不好，如果你不在它家做，不给你信用记录不说，还会用你的社安号去申请一些对你信用不好的东西。我以前就遇到过这样的人。所以在没有决定用哪一家之前，不要给社安号。
[此贴子已经被作者于2007-4-18 21:26:13编辑过]
I might be wrong. But I did remember that it would hurt your credit score if the inquiry is too frequent... You don't need to give them your SSN....
If you are in bay area, shoot me an email... Our loan agent is exceptional good and we have used her for our last two houses... She didn't charge us fees and got the best rate for us. (when we purchased our first house, she discarded all the paper work she had prepared and redid everything just because a better rate just showed on their internal system...and she said actually loan agents don't need to charge client fees , for they got paid by the lenders and the appraisers etc ..)
If you are in bay area, shoot me an email... Our loan agent is exceptional good and we have used her for our last two houses... She didn't charge us fees and got the best rate for us. (when we purchased our first house, she discarded all the paper work she had prepared and redid everything just because a better rate just showed on their internal system...and she said actually loan agents don't need to charge client fees , for they got paid by the lenders and the appraisers etc ..)
如果是同类贷款的inquiry，我记得是14天以内的所有查询都只算一次历史记录。这是我以前跟版上看到的别人的回答。
跟他们说过我的去年信用分数，他们说必须要社安号，方可查现在的分数。每个月都在变。所以他们必须知道最新的分数，方可给个利率。唉。。。
好像贷款找在任何一个州的代理都可以吧？ 回kathzh. (新手不知如何用原贴回复）。你提到给你发邮件，我不知你的邮件，那，发短信给我你提到的代理吧。
好像贷款找在任何一个州的代理都可以吧？ 回kathzh. (新手不知如何用原贴回复）。你提到给你发邮件，我不知你的邮件，那，发短信给我你提到的代理吧。
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