Answer:
If you're referring to the FACT Act's Notice to Home Loan Applicants, the answer is yes. There's no exemption for a previously pulled credit report.
First published on BankersOnline.com 4/19/10
Using Previously Pulled Credit Report - Disclose?
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Question:
Is a credit score disclosure required where no new credit report is pulled, but the lender is relying on a previous report containing scores already in the file (and for which a credit score was previously given)?
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