Credit pull before closing

I’m a little stressed so hoping for some advice. I’m a couple weeks (now) from closing on a new home, new construction. We were supposed to close this week but were pushed back 2 weeks because of a construction delay. This is where things get dumb. About 3 weeks ago my wife and I purchased some appliances and furniture on two different existing credit cards instead of cash ($10k total). Did it for the points 🤦🏻‍♂️. We have a decent amount of cash reserves (about $75k after closing costs) and could have made these purchases on cash. Anyway, the plan was that these card balances wouldn’t post on our credit until after closing but now that there’s a 2 week delay, they’ll be visible if they pull credit again right before our closing date. Too late to just pay the balances off because the statements have already posted and the payments won’t be reflected until after the new closing date. These new balances are the only changes to our credit report since they last pulled in April. Scores in the low 800’s, pretty low DTI, no other loans or debts besides an existing car lease payment. Will this $10k jump in CC balances be a problem? I feel like I’m going to be sick 🤢

submitted by /u/vegasato
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I’m a little stressed so hoping for some advice. I’m a couple weeks (now) from closing on a new home, new construction. We were supposed to close this week but were pushed back 2 weeks because of a construction delay. This is where things get dumb. About 3 weeks ago my wife and I purchased some appliances and furniture on two different existing credit cards instead of cash ($10k total). Did it for the points 🤦🏻‍♂️. We have a decent amount of cash reserves (about $75k after closing costs) and could have made these purchases on cash. Anyway, the plan was that these card balances wouldn’t post on our credit until after closing but now that there’s a 2 week delay, they’ll be visible if they pull credit again right before our closing date. Too late to just pay the balances off because the statements have already posted and the payments won’t be reflected until after the new closing date. These new balances are the only changes to our credit report since they last pulled in April. Scores in the low 800’s, pretty low DTI, no other loans or debts besides an existing car lease payment. Will this $10k jump in CC balances be a problem? I feel like I’m going to be sick 🤢 submitted by /u/vegasato [link] [comments]

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