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#144444 - 12/30/03 08:15 PM Credit Bureau address
Ellis Offline
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Ellis
Joined: Feb 2003
Posts: 25
We obtain a combined credit report for mortgage loan applications. If the loan is denied should we use the three addresses of the reporting agencies or the address of the local credit bureau from whom we obtained the combined report?

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Lending Compliance
#144445 - 12/30/03 08:28 PM Re: Credit Bureau address
Dan Persfull Offline
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Dan Persfull
Joined: Aug 2002
Posts: 47,673
Bloomington, IN
You obtained the report from the local credit bureau, their name and address is the one you should use.

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The opinions expressed are mine and they are not to be taken as legal advice.

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#144446 - 12/30/03 08:57 PM Re: Credit Bureau address
David Dickinson Offline
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David Dickinson
Joined: Nov 2000
Posts: 18,765
Central City, NE
I agree, FWIW.
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#144447 - 12/30/03 10:49 PM Re: Credit Bureau address
Andy_Z Offline
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Andy_Z
Joined: Oct 2000
Posts: 27,763
On the Net
Correct-a-mundo, from the old FCRA commentary, 13. Agency to Be Identified - The consumer report user should provide the name and address of the consumer reporting agency from which it obtained the consumer report, even if that agency obtained all or part of the report from another agency."
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