This has been known for 11 hours and no press conference from DICE ? !?!?? If someone doesn ' t resign by the end of the day I ' m filing a lawsuit . Unacceptable . <| sep |> I ' m about to refinance muh mortgage , but just opened a CSR . I ' m not worried about being 1024 or 612 or if I just opened a new card . The only thing NOT to do is open a new credit account after mortgage application and before it closes it closes on the day you sign all the final papers , that ' s the day you get your new house keys , or your new refinanced mortgage loan . Or if something new appears or is reported to your credit report after application before closing , usually 6 or 8 weeks . Don ' t have that happen . If you ' re not getting the best rates , ask your loan officer why . It might be debttoincome ratio , or income , or low credit score . Most people have much more conservative advice than mine . It ' s a mortgage , so most people are very careful about making sure their credit doesn ' t hold them back in the home buying process .