Credit Reports

At Creekside Mortgage Inc., we follow standard industry practices when it comes to pulling credit reports for mortgage applications. We utilize credit agencies that retrieve credit reports from major credit bureaus such as TransUnion, Equifax, and Experian. These credit bureaus gather and maintain credit information on individuals and businesses.  NW VA Guy YouTube about this.

It is important to note that when we pull a mortgage credit report, the credit bureaus are made aware of this activity. As a result, they may include this information in the reports they sell to other companies. This can include details such as your name, address, and occasionally your phone number. However, the subsequent sale and use of this information is beyond our control.

Various companies, based on your credit score and other factors, may purchase this data from the credit bureaus. They may pay substantial amounts of money to access this information for their own purposes. It is important to understand that these actions are carried out by external companies, and Creekside Mortgage Inc. does not have any involvement or control over their activities.

Unfortunately, one consequence of this is that you may receive unsolicited calls from these companies attempting to gather additional information from you. This is a form of phishing, and we strongly advise against providing them with any personal information. To mitigate these unwanted calls, we recommend adding your phone number to the “Do Not Call” list, which can help reduce such solicitations. However, please note that managing these calls is beyond our purview as well as the credit agency we utilize for credit reports.

We apologize for any inconvenience or concern this situation may cause. Should you encounter any issues or have questions, please reach out to us directly. We are committed to providing support and guidance throughout your mortgage application process.