If you are denied credit the lender must tell you which CRs were pulled and you can get free credit reports from them and see exactly what is what.
Kissyfur30 wrote:Last week I applied for a home loan but was denied because of past credit problems, I figured this would happen.My issue is that the credit report she pulled up shows negative marks that are not on my 3 credit reports that I pulled myself on myfico.com. For example, she has told me that I defaulted on a student loan, which I never did, the loan company fixed it. It's not showing up on my 3 credit reports I pulled from this site, but it is still showing as defaulted on the one she pulled.How am I supposed to fix any issues on my reports if I don't see them, but a loan officer can? Shouldn't I get the same information as she does so that I may fix any issues on my credit report? It doesn't seem right that all these things are showing up on her report that she pulled, but I can't see them to correct them.