Answer:
I have seen mortgage companies transfer files and that included credit reports. My own hesitation exists because when I comply with the FCRA I want to know that I have a contract with the credit reporting agency and they will answer to me if I have a question or complaint. I believe it is "cleaner" when this line of responsibility is drawn. I also believe that the CRAs would have issues with the use of someone else's report. It is very possible that the contract between the lender and CRA may address what can and cannot be done. That should be the first step or reference.
First published on BankersOnline.com 12/11/06
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