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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

When will my lender run or obtain a copy of my credit report?

Answer:

Your lender will run your credit report when you apply for a mortgage. (It cannot pull your credit report if you just call to ask about rates.) It will also pull your score again just before you close on a loan.


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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.