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To the mortgage experts: Lender refuse to give scores and credit report

HotpotYum
Member

To the mortgage experts: Lender refuse to give scores and credit report

Is it up to the lender whether to give us the score and credit report??? It does not feel right...

Mar 2012 Scores:
Wifie: EQ(myfico) 636 EX(plus) 606 TU(myfico) 568
Hubby: EQ(myfico) 632 EX(plus) 606 TU(myfico) 609
Mar 13 Lender Pull
Wifie: EQ 636 EX 649 TU 564
Hubby: EQ 632 EX 625 TU 596
Message 1 of 17
16 REPLIES 16
MarineVietVet
Moderator Emeritus

Re: To the mortgage experts: Lender refuse to give scores and credit report


@HotpotYum wrote:

Is it up to the lender whether to give us the score and credit report??? It does not feel right...


I'm no expert at anything but I will ask why the lender won't tell you your scores?

Message 2 of 17
HotpotYum
Member

Re: To the mortgage experts: Lender refuse to give scores and credit report

The lender said due to privacy protection, we need to request from the CRA in writing...

Mar 2012 Scores:
Wifie: EQ(myfico) 636 EX(plus) 606 TU(myfico) 568
Hubby: EQ(myfico) 632 EX(plus) 606 TU(myfico) 609
Mar 13 Lender Pull
Wifie: EQ 636 EX 649 TU 564
Hubby: EQ 632 EX 625 TU 596
Message 3 of 17
MarineVietVet
Moderator Emeritus

Re: To the mortgage experts: Lender refuse to give scores and credit report


@HotpotYum wrote:

The lender said due to privacy protection, we need to request from the CRA in writing...


Did the lender pull your scores and won't tell you what they are or is the lender saying you have to contact the CRA's to get your scores?

 

Is this part of a mortgage application?

Message 4 of 17
BreezyWe
Contributor

Re: To the mortgage experts: Lender refuse to give scores and credit report

Mine was sent to me via email ad also a letter in the mail stating they Abe to share the credit report and scores
Message 5 of 17
HotpotYum
Member

Re: To the mortgage experts: Lender refuse to give scores and credit report

No, I asked the lender to provide the score but got refused due to privacy protection reason....Make me hesitate to start application with them, it's a large nation-wide bank...

Mar 2012 Scores:
Wifie: EQ(myfico) 636 EX(plus) 606 TU(myfico) 568
Hubby: EQ(myfico) 632 EX(plus) 606 TU(myfico) 609
Mar 13 Lender Pull
Wifie: EQ 636 EX 649 TU 564
Hubby: EQ 632 EX 625 TU 596
Message 6 of 17
HotpotYum
Member

Re: To the mortgage experts: Lender refuse to give scores and credit report

Sorry I am a little confused. Did they or did they not tell you the scores?

Mar 2012 Scores:
Wifie: EQ(myfico) 636 EX(plus) 606 TU(myfico) 568
Hubby: EQ(myfico) 632 EX(plus) 606 TU(myfico) 609
Mar 13 Lender Pull
Wifie: EQ 636 EX 649 TU 564
Hubby: EQ 632 EX 625 TU 596
Message 7 of 17
To-Be-Continued
Regular Contributor

Re: To the mortgage experts: Lender refuse to give scores and credit report

That is BS not giving you your score and report. You will pay for it at closing. I would tell your lender that you want a copy or you will be taking your business elsewhere.

 

TBC

AUDE VIDE TACE :
Starting Score: 684
Current Scores: EQ 796 TU 794 EX 750 (All lender pulls on 2/9/12)
Goal Score: 800 all 3
Message 8 of 17
HotpotYum
Member

Re: To the mortgage experts: Lender refuse to give scores and credit report

Thanks, now they agreed to tell us the score after pulling.

Mar 2012 Scores:
Wifie: EQ(myfico) 636 EX(plus) 606 TU(myfico) 568
Hubby: EQ(myfico) 632 EX(plus) 606 TU(myfico) 609
Mar 13 Lender Pull
Wifie: EQ 636 EX 649 TU 564
Hubby: EQ 632 EX 625 TU 596
Message 9 of 17
FrugalRican
Blogger

Re: To the mortgage experts: Lender refuse to give scores and credit report


@HotpotYum wrote:

Thanks, now they agreed to tell us the score after pulling.



Huh? So what changed?

I'm intrigued.

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EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

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Message 10 of 17
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