If you do reapply, it is important to note that your credit history may have changed even in a matter of weeks, which could cause your rate to change. A credit history is a record of an individual's open fully repaid and unpaid debts; it helps a lender to determine whether a potential borrower has a history of repaying debts in a timely manner. You have 30 days from the date that you submitted your Preferred Placement® form to select a lender from the lending companies who have provided an approval. If after 30 days you have not made a decision to select a lender, all approvals will be deleted from your secure "My Account" web page. If your approval does expire, you will need to resubmit your Preferred Placement® form. Be sure that all information is updated and correct before you submit - log on to "My Account" to update and resubmit your form.

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