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Senior Contributor
DaBears
Posts: 3,923
Registered: ‎10-26-2012

Re: Credit Report????

Keep in mind tho if they ask you if you have any outstanding debt and you say no they will find out when pulling your file. Thats why I tell everyone pay off your debt if it's yours!!!!!

Established Member
primandproper
Posts: 37
Registered: ‎03-07-2013

Re: Credit Report????

@ravens fan...I am in trouble too......But I can say that those debts are small compared to my student loans....if I can pay the small ones off first then I can move to the BIG ONES....my students loans:smileyindifferent:

2/26/13: 528-myfico EX
3/10/13: 533 myfico EQ
4/02/13: 539 myfico EQ
3/16/13: 566 EX(us bank)

Starting Score: 528
Current Score: 539
Goal Score: 650


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Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Credit Report????

Yes, a lender can ask for your entire credit file under the circumstances that DaBears noted.   However, it is rare that they will.  That is why you need to disclose any unpaid debt because you don't want to fib and it come back on you during a mortgage application.

 

If you never really paid attention to your credit until recently, there me be things you honestly don't know about.

Senior Contributor
DaBears
Posts: 3,923
Registered: ‎10-26-2012

Re: Credit Report????


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