RevDex.com: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint # [redacted] . I understand that by choosing to accept the business response that my complaint will be closed as resolved. Regards, [redacted] ***
Dear [redacted] ***,We would, first and foremost, like to apologize for your less than satisfactory experience with us here at First American Mortgage Trust.As a mortgage lender, we must verify credit scores periodically throughout the application process to ensure the applicant remains credit-worthyThe Credit Reporting Agencies (CRAs) that we use consider us, the lender, to be users, not consumers Therefore, we do not undermine the credit bureaus by divulging materials that they require payment forThe CRAs require the consumer to request his/her credit report and dispute any inaccuracies directly with them.It is not only our company’s policy, but the policy of the entire lending industry as a whole, not to divulge a full credit report to an applicant There are numerous, readily available ways for a consumer to access their credit reportIn fact, each and every consumer is entitled to a free credit report annuallyHowever, as a courtesy, we do attempt to point out areas that may need to be improved in order to help the borrower qualify for a mortgage.When [redacted] sent you “sections” of your report, it was in an effort to point out the areas that were of concern to help you understand what improvements needed to be made for your benefitAfter these issues were not resolved satisfactorily, you were sent a number of emails that explained, in detail, why we were not able to proceed with your applicationThose emails highlighted your situation at that time and explained the reasons why we were unable to move forwardWe would be happy to re-send you said emails if you are unable to access themThe emails will reference the exact accounts which caused your FICO score to decrease as a result of the housing collection that was not addressed in timeWe involved numerous people who attempted to work with you to rectify this matter.To reiterate, we cannot comply with your request to receive your full credit report, even if you offered to reimburse usYou were shown, in detail and in a timely manner, all accounts that were of concern at the time Again, we would be happy to re-send you the series of emails that explained the situation in full detailKeep in mind that you are always in control of your own credit and that you are able to request your full report at any time; for free once a year, as well as whenever you are denied credit based on information in the report, and additionally for a feeHere’s how you can request your free copy:To order your free copy of your credit report from [redacted] , call the consumer help line at [redacted] and provide the 15-digit reference number: [redacted] and date: 09/01/ [redacted] will mail a copy to your home address.Sincerely,NXTLoan / First American Mortgage Trust
RevDex.com: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint # [redacted] . I understand that by choosing to accept the business response that my complaint will be closed as resolved. Regards, [redacted] ***
Dear [redacted] ***,We would, first and foremost, like to apologize for your less than satisfactory experience with us here at First American Mortgage Trust.As a mortgage lender, we must verify credit scores periodically throughout the application process to ensure the applicant remains credit-worthyThe Credit Reporting Agencies (CRAs) that we use consider us, the lender, to be users, not consumers Therefore, we do not undermine the credit bureaus by divulging materials that they require payment forThe CRAs require the consumer to request his/her credit report and dispute any inaccuracies directly with them.It is not only our company’s policy, but the policy of the entire lending industry as a whole, not to divulge a full credit report to an applicant There are numerous, readily available ways for a consumer to access their credit reportIn fact, each and every consumer is entitled to a free credit report annuallyHowever, as a courtesy, we do attempt to point out areas that may need to be improved in order to help the borrower qualify for a mortgage.When [redacted] sent you “sections” of your report, it was in an effort to point out the areas that were of concern to help you understand what improvements needed to be made for your benefitAfter these issues were not resolved satisfactorily, you were sent a number of emails that explained, in detail, why we were not able to proceed with your applicationThose emails highlighted your situation at that time and explained the reasons why we were unable to move forwardWe would be happy to re-send you said emails if you are unable to access themThe emails will reference the exact accounts which caused your FICO score to decrease as a result of the housing collection that was not addressed in timeWe involved numerous people who attempted to work with you to rectify this matter.To reiterate, we cannot comply with your request to receive your full credit report, even if you offered to reimburse usYou were shown, in detail and in a timely manner, all accounts that were of concern at the time Again, we would be happy to re-send you the series of emails that explained the situation in full detailKeep in mind that you are always in control of your own credit and that you are able to request your full report at any time; for free once a year, as well as whenever you are denied credit based on information in the report, and additionally for a feeHere’s how you can request your free copy:To order your free copy of your credit report from [redacted] , call the consumer help line at [redacted] and provide the 15-digit reference number: [redacted] and date: 09/01/ [redacted] will mail a copy to your home address.Sincerely,NXTLoan / First American Mortgage Trust