- no I'm not talking about the watered down version you get from cozy or transunion for free - a true up to date credit report... unless you have a secure facility with different levels of security and have passed the bureau's vendor's onsite inspection...

private HML have every right to make their own decisions on what they will do.. they are not govmit backed loan products this is Sean's money or his investors money or his bank credit facilities.. so they have every right to be picky ..