I have my clients pull their own credit so we know what we are dealing with upfront. Sure the personal pull and lender pull show different but good enough to submit. After that you should really only need to shop a deal to 2 lenders most of the time. Also when you get a client that says my credit is perfect high 800s they will see their own credit pull and realize it sucks and is only 600. They cant argue with their own report. I think some funders have gotten better, in the past they did not even review a file until they pulled their own credit. We can UW to a point without credit pulls