eeek, thanks for posting this. I refi’ed with Amerisave twice (they currently own my mortgage). From my experience:
When asking for a rate quote, you put in your credit score. The instant rate quote changes based on what you put.
Then you pay for the credit check, and they use the lowest score out of the 6 credit scores (3 per credit score agency, for both my wife and I). In my case, the rates were still better than anywhere else, so I still went with them.
