Apply for mortgage

**emanon1501** · 06-01-2013, 01:11 PM

Any one. Second time no one answered my questions. Is my English that bad?

**disneysteve** · 06-01-2013, 02:21 PM

Originally posted by emanon1501 View Post

Is it true if you applied for mortgage, you will get a copy of the credit report in any state?

Credit reports are national. it doesn't matter what state you are in.

**Folio Explorer** · 06-01-2013, 05:25 PM

If you are denied a loan/mortgage application, you are entitled to copies of the credit reports the lender used in their assessment. From myfico.com regarding the Fair Credit Reporting Act (FCRA):

You have the right to a free copy of your credit report when your application is denied because of information supplied by the credit bureau. Your request must be made within 60 days of receiving your denial notice.

Hope this helps!

**snafu** · 06-02-2013, 05:21 AM

You can request your credit report once each year from the credit agencies.

Page not found | USAGov

http://www.usa.gov/topics/money/credit/credit-reports/bureaus-scoring.shtml

We can't find the page you're looking for. It might have been removed, had its name changed, or is temporarily unavailable.

just copy and paste the link

**kork13** · 06-02-2013, 06:05 AM

When I bought my house, the mortgage company provided me a copy of my credit report. I'm not sure if they're required to do that or not, but I did appreciate them showing me what they were basing my mortgage off of.

**emanon1501** · 06-02-2013, 10:39 AM

Originally posted by Folio Explorer View Post

If you are denied a loan/mortgage application, you are entitled to copies of the credit reports the lender used in their assessment. From myfico.com regarding the Fair Credit Reporting Act (FCRA):

Hope this helps!

Thank you!. I informed the broker about this and he sent me a copy of it. He did send it via email and I was not okay with that even though it was password protected.

**Jerry91** · 06-02-2013, 10:25 PM

It is your credit report. So, you can claim it irrespective of whichever state you live in.

**snidersusan21** · 07-15-2014, 12:29 AM

Anyway you can ask the copy of your credit report in any credit agencies.

**JoeP** · 03-10-2015, 04:30 AM

Originally posted by samanthainglis

Completing a mortgage application can be an intimidating task, especially if the borrower is uncertain of what information will be needed. There are some factors to consider by the lender like credit report, credit standing, credit accounts, down payments, income,interest rates,available funds, price ranges, and the lender.

This is lifted from other sites.
Why are posts like this even allowed? We need some sort of policing.

Apply for mortgage