How long is a pulled CR considered current?

[unkfrank]

Sorry if I missed this elsewhere, but if/when I pull my own CRs for a loan (mortgage, autos, etc.), how long from the date I pulled it would the lender consider it current? 1 week? 21 days? A month? Or does it vary by lender? Let's say I buy my reports from MyFICO.com on January 10 to show prospective lenders. If I remember correctly, I've got access for 30 days, but the reports are still from January 10th. If I were not to get out until January 30th to show a prospective lender, would the Jan. 10th reports be considered current, or if I wanted to take my own reports, would I/should I pay for a more current report?

Make any sense? I'm not sure... too many Mountain Dews today...

[MidnightVoice]

Until the next day?

[Anonymous]

unkfrank, as funny as Midnight's comments seem, I totally agree with the statement.

Just to be on the safe side, your best bet is to pull your Credit Reports the DAY of your meeting with the lender. Preferably, just an hour or 2 prior to it. No kidding. Scores, AND info contained in the CR can change more that once per day. The older a report is, the less likelihood will give that report any credence.

Even then, there's no guarentees they will not pull their own reports. But it's worth a shot. I'd say go for it.

Good luck to you.

[Creditaddict]

they are going to have to pull there own reports when it comes time to actually do a loan.

[MidnightVoice]

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Sylviatob wrote:
unkfrank, as funny as Midnight's comments seem, I totally agree with the statement.

Just to be on the safe side, your best bet is to pull your Credit Reports the DAY of your meeting with the lender. Preferably, just an hour or 2 prior to it. No kidding. Scores, AND info contained in the CR can change more that once per day. The older a report is, the less likelihood will give that report any credence.

Even then, there's no guarentees they will not pull their own reports. But it's worth a shot. I'd say go for it.

Good luck to you.

---

And I've often wondered who the hell remembers as far back as last night
It seems to me that a man like me is the only one who might
I've got the only cure for life, and the cure for life is joy
I'm a crying man that everyone calls Laughing Boy

[Anonymous]

Oh Midnight! That's so deep and profound, it will take me a day or 2 to process the info.

[MidnightVoice]

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Sylviatob wrote:
Oh Midnight! That's so deep and profound, it will take me a day or 2 to process the info.

---

Then you need to read the rest of it 

[Anonymous]

1.  In general, the credit report can be used within 60 days depending on which bank that you deal with.   

2.  Credit score calculated based on different "Model", different "Factor" so even you get your own credit report from different agencies in the same day, you credit score from the same credit bureau maybe different...

3.  Normally you can "Control" your credit score to be higher (up), by doing this...use only few credit cards (2-3), if you ever need to owe the balance, just owe 1 or 2 cards and pay off to zero balance on all other cards, consolidate 3-4 credit lines together to one card (if they are issued by the same bank) and use that higher credit lines card only...

4.  Credit card company (Bank) only report your credit status once a month, within 7 days after your statement closing day to the credit bureau (Exp-EqX-TU).

5.  For those daily credit monitoring program, your credit score on the 3in1 report only update once a month even you pull your own report everyday, try it for yourself you will see the trick, unless you pay the fee each time to request the "real credit report" from the agency like Mortgage Fax Inc. (Fanny Mae) authorized.                    

[Anonymous]

Uhhhhh, should I be getting embaressed? hahahaha

Is there any more?

[MidnightVoice]

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Sylviatob wrote:
Uhhhhh, should I be getting embaressed? hahahaha

Is there any more?

---

No one has ever heard of this:

In all the rooms I've hung my hat, in all the towns I've been
It stuns me I'm not dead already from the shambles that I've seen
I've seen a girl hold back her hair to light a cigarette
And things like that a man like me can't easily forget
I've got the only cure for life, and the cure for life is joy
I'm a crying man that everyone calls Laughing Boy

I've seen landladies who lost their lovers at the time of Rupert Brooke
And they pressed the flowers from Sunday rambles and then forgot which book
And I paid the rent thinking 'Anyway, buddy, at least you won't get wet'
And I tried the bed and lay there thinking 'They haven't got you yet'
I've got the only cure for life, and the cure for life is joy
I'm a crying man that everyone calls Laughing Boy

I've read the labels on a hundred bottles for eyes and lips and hair
And I've seen girls breathe on their fingernails and wiggle them in the air
And I've often wondered who the hell remembers as far back as last night
It seems to me that a man like me is the only one who might
I've got the only cure for life, and the cure for life is joy
I'm a crying man that everyone calls Laughing Boy

I left out the verse about Guy Fawkes night - Americans can't be expected to know about burning effigies and letting off fireworks!