Quote Originally Posted by J.Celifarco View Post
did not say fund without checking credit. I said you can get a preapproval without a credit pull and if you have a copy of the credit report.. there is a big difference
If a broker brings them a file with a third party report and they tell the broker they won't proceed based upon any of the data in said report, that is a credit determination and subsequently a violation of FCRA. Funding the loan or making an affirmative credit decision isn't what makes them subject to FCRA, making a credit determination based on report data does.