Credit Check Before Closing, at what point?

Closing on a re-fi soon. I am curious if they will run a second credit report. If so when do they do this? Do they run a second credit report and then schedule the closing date? Or do they literally run the report the day of or day before closing? A co-worker that just closed on a refi told me they did not... show more Closing on a re-fi soon. I am curious if they will run a second credit report. If so when do they do this? Do they run a second credit report and then schedule the closing date? Or do they literally run the report the day of or day before closing?

A co-worker that just closed on a refi told me they did not run another credit check on them but a person I know that just bought their first house said they did run a second credit check w/o their permission (I'm sure they signed something to allow them to do it)

Just curious how it works. Plus all these credit checks dings us right????
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