Your credit history and score are the most important things used to determine if you get approved for a loan.  It is one of the first things a loan officer or broker does…pulls your credit.

Surprisingly, you don’t ever see your credit report; the one the loan officer pulled.  They just relay the information back to you.

And they would have no reason to lie about what is on your credit report…would they?

Remember the Bait and Switch.  If they promised some outrageous low rate to get you to call then somehow they have to turn you around.  They have to get you away from that low rate and to another higher rate that makes them a lot of money.

One of the ways they can do that is to make up a problem on your credit report.  Most people just blindly accept the loan officer’s statement and don’t ask for a copy of the report.  Loan officers know this.

And even if you do ask for a copy, somehow it never gets to you.  When a mortgage company pulls your credit it could come back with different scores than say if a car dealership pulls your credit.

Different types of credit warrant different scores.  A mortgage requires all 3 scores for approval.  You have to get the report the loan officer used.  And don’t let them email it.  That kind of information shouldn’t be floating around the internet.
Go down in person and get it, have them mail it, or do whatever it takes to get your hands on the actual report used in your file.

If you don’t, they have the advantage.