Another wrinkle - I had applied for a loan with a mortgage company some time ago - I had been rejected by a bank, but my mom told me to give it another try.
I went around and around with the loan officer - saying “is there anything on here you have a problem with?” She said, “No, it looks good.”
I never got rejected but I never got the money either.
Maybe banks are required to give an up or down answer within a certain time - not sure.
There are many things that can screw up a credit score and having a high credit score is very important.
Some people don’t realize that their credit score effects what rate you pay for insurance for home, car, even health insurance.