Reply
New Contributor
Posts: 66
Registered: ‎07-01-2007
0

If a broker pulls your credit report, does the underwriter/mortgage company have to pull it again.

And how long is the pull good?  The problem I am having is a couple weeks ago my report was pulled by a broker.  I got an alert from scorewatch yesterday that a company put a hit on my credit report stating I wrote out a bad  check last year.  I was in contact with them and my old bank, trying to investigate if I actually wrote out the check.  Then they blindsided me with a mark on my report.  This was after the Broker said he can probably help me.  Will they go back and look at my report and see this? 
Super Contributor
Posts: 8,353
Registered: ‎09-28-2007
0

Re: If a broker pulls your credit report, does the underwriter/mortgage company have to

For an existing home the credit report is good up to 120 days, at which point it would need to be repulled again.  For new construction it's good up to 180 days.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.