I started a refi process with a direct lender -- sent all docs, ready to go -- my credit score came back ( 747) 3 points below their best rate -- lender officer tells me there is nothing they can do and recommends that i can do a Rapid Rescore and see if score improves in 2-3 weeks -- I contact them again in 2-3 weeks and tell them to re-pull my credit -- lender claims they pulled the credit and it hadn't changed ( the exact same scores as 3 weeks ago) ---- I told them to hold off based on this information -- they lied to me -- the next week after they call back to inform me the rates had gone up, I tell the officer that my credit was never repulled ( I have credit monitoring from all three bureaus ) -- they said it sure was -- they then called back 30 minutes later admitting they did not re-pull -- and that rates have gone up significantly -- do i have any recourse based on the fact that they lied to me about re-pulling my credit? I made the decision to not go forward based on the information given to me by the lender - who knew it was false -- Should I ask for a rate exception? Or threaten action? Thank you