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cutty five

How deep the credit check?

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I always assumed that when you went for a mortgage they pulled all 3 current credit reports and evaluated based off of that information. My friend says they can pull your history for the last 10 years, since you were 18, etc. They can view good accounts that have passed from your file due to age and bad accounts that have dropped off.

Whats the scoop?

I have good credit but have had an account or two that dropped off after a DV. Also some history of ID theft o my accounts made it necessary to file a report with the FTC and have them remove the fraud accounts.

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I recently applied for a home loan with two companies and neither mentioned anything that was not on my credit report.

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I think they can look back forever with the programs they have now, but they can't USE the old stuff against you.

Nor would they mention it.

z

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I think they can look back forever with the programs they have now, but they can't USE the old stuff against you.

Nor would they mention it.

z

A friend of mine who is a mortgage specialist for a bank pulled my stuff (and also NACA(.com not .net). Both only had info that I knew through TrueCredit. Nothing older than that was on their reports. They both provided me with the report they had.

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