Loan Officer won't give me a copy of my credit report

[Alex G]

Loan Officer in Alabama is telling me she can't send me a copy of my credit report via email, fax or mail. Is that true? I've gotten my report from lenders in the mail in the past, this new or she just doesn't want me shopping it around? I used to be a loan officer in NY, I don't recall having this problem.

[Josh Green]

it's the banks/lenders property unless you paid for it.

besides, many credit reports pulled by banks/lenders are very difficult to read by the common folk. it's not like the pretty ones you get when you pull it from sites.

www.annualcreditreport.com is a COMPLETELY free site. you are allowed to pull once a year from each bureau. also, keep in mind that when you (the consumer) pulls your own credit report, it does NOT go against your score in any way, shape, or form.

i, myself, have an id alert that i get through work that gives me 24/7 access to all 3 scores an reports. pretty awesome stuff.