2nd Mortgage Lender

Robert Said:

How do I find out what are my rights relating to information obtained by a mortgage lender. Fico scores, etc?

We Answered:

Federal law now mandates that they tell you what your credit score is when determining your eligibility for a loan. So, they should tell you the score, however they do not have to give you a copy. You can get a free copy, from the only legal, government run website www.annualcreditreport.com
As for the appraisal, if you paid for it, you should get a copy, contact your lender and be insistent upon this or contact their manager. You most likely will not be able to get a copy of the one they paid for, but you could ask.
The only place your rights are explained is on your truth in lending and good faith estimate. Since some items can vary state by state, review those documents if you have more questions.
Good luck!

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