Community Leader
Epic Contributor
Posts: 26,021
Registered: ‎03-19-2007
Re: This dormant flower is ready to be replanted

Yes, none of the credit report exclusion periods in section 605(a) are absolute.


FCRA 605(c) enables a creditor to receive a full credit report, including any and all prior derogs, if they are inquring with regard to a consumer initiated request for credit or insurance that involves a principal balance of $150K or more.

However, the creditor must make a specfic request for such a full CR.  I am aware of a few situations where they have made such requests, but for the most part, it is not standard practice.  I would opine that the chances are very, very slim.