Home Buying in 92509>Question Details

Cynthia More…, Renter in Riverside, CA

If the investor ran my credit report (this would be the second report) and I asked to see it. Should they let me see it or can they say no.?

Asked by Cynthia Moreno, Riverside, CA Sat Nov 19, 2011

Help the community by answering this question:


Harold Sharpe’s answer
They are not suppose to let you see it.
They are suppose to let you know which credit report or reports they looked at so you can get your own copy.
On the other hand some nice lenders would like to help you fix your credit issues so down the road you can then purchase. Good Lenders will work with you to aid you in fixing you credit woes if they know you have intention of buying a home in the near future.

Harold Sharpe - Broker
So Cal Homes Realty
(951) 821-8211
California Department of Real Estate Broker License # 01312992
1 vote Thank Flag Link Wed Feb 1, 2012
If they paid for it, they can say no.

If you were denied credit based upon the credit report, under certain conditions you may be entitled to see a copy of the report. Here are some links to resources addressing the Fair Credit Reporting Act: http://www.ftc.gov/os/statutes/fcrajump.shtm

Hope that helps.
2 votes Thank Flag Link Sun Nov 20, 2011
Don Tepper, Real Estate Pro in Burke, VA
They should allow you to see it, especially if they charged you a fee to run it.

You can also get a FREE report once a year from the credit reporting agencies.
(not freecredit report.com).

Best of luck to you!
Kawain Payne, REaltorI
0 votes Thank Flag Link Thu Sep 12, 2013
Actually Don Tepper's answer is spot on. If you are denied credit you are entitled to a copy of your credit report. However, the individual/s who pulled your credit report are not obliged to give a copy to you and in many/most cases they are not allowed to do so.

You will have to request this yourself. Additionally, everyone is entitled to at least one free annual credit report. You can contact https://www.annualcreditreport.com/cra/index.jsp and receive a free copy that way. But I would start with the company/s that the investor used first as you are entitled to receive a free copy from them or any company who has denied you credit. Good luck.
0 votes Thank Flag Link Sun Nov 20, 2011
If you paid for the credit report you are due a copy.
If you did not pay for the credit report you are not due a copy.
0 votes Thank Flag Link Sat Nov 19, 2011
Is your mortgage broker referring to the lenders they work with as investors? Yes, they should let you see a copy. Did you ask for a copy? Did they say they wouldn't give you a copy? Do you know the reason why they ran your report again?
Web Reference: http://homeloanartist.com
0 votes Thank Flag Link Sat Nov 19, 2011
When you say "investor" who are you referring to?
0 votes Thank Flag Link Sat Nov 19, 2011

By law they have to give you a copy if you request it. You can keep a copy and show to other lenders that inquire about running your credit. It is valid for 30-90 days. Contact in anytime if you need help here in Jurupa Valley. I'm a local resident and specialist in the 92509.
0 votes Thank Flag Link Sat Nov 19, 2011
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