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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.

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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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