Q: Can I use a Credit Report another company pulled to qualify for a mortgage through your company?
A: We pull our own tri-merge credit report which gathers your scores from the three major credit bureaus: Experian, Equifax and TransUnion. When applying for a loan this is the report that the lenders require. There is no way around it.
This tri-merge credit report shows us the most accurate and recent information on your credit report. If you think you will need some credit repair, this also allows us to take a look at any areas that are in need of improvement so you can fix the items that need repair.
You should always be skeptical of the free credit pulls. It may give you a general idea of what your scores look like but will not give you the most accurate and up to date information. And this could mean the difference between qualifying and not qualifying for a home.
For more information on your credit scores or credit repair you can download some free information at www.KentonBecker.com.
Pierce County Real Estate Guide 