<prompt> Human: Hi, friends. Ohhh man. This is so frustrating.So Mr. gobliny-wonder and I have been thinking of buying a house for the last year or so. Weve casually checked our credit scores on Mint.com and CreditKarma for the past year, and everything always looked fine: his was usually showing up at 750, close to mine 760. In Dec 2017, we opened a joint credit card, but that was our last credity thing that we did. Otherwise weve always been paying things on time, havent opened or closed any lines of credit, and keep our credit usage at about 20 though he also uses his credit card for some big-ticket items like flights for work, etc - but he always pays off the entire balance every month. We have no other debts.We just started talking to mortgage lenders and now theyre saying Hubbys credit score is actually 680 - WOMP WOMP. Namely, Equifax says 680, TransUnion says 730, and Experian says Unknown because ??? We checked with Experian and he does not have a credit freeze on it... so WTF? The lender said he cant share the credit report he pulled with us ?! - but that all the payments look on time, and the only thing Im seeing is a new credit card from Dec 2017. So WTF? Where does this 680 come from? We just tried pulling his three reports from and got denied on all three of them - so were flying blind, no idea whats on the report and no idea why his score suddenly dropped by 50 points in a matter of days since we _just_ checked our scores again on CreditKarma last week. Obviously, given this is kinda the ONE TIME we need our scores to be good - i.e. buying a house - this sucks and were stressed.What can we do? What SHOULD we do?! Why the f did his score drop like crazy?Assistant: First, find a lender that will actually show you the report and go over it with you. Thats a vital step and something I always do.Second, credit is not a mystery. There are specific things that make up your score and by going over it you should be able to figure it out.Human: Right - thanks! The lender said theyre not allowed to share it anymore. Which seems weird. Well push back and see!Assistant: Ack, lots of follow-up comments to this, which filled me with righteous rage! Ill respond up here.Were talking to other lenders anyway, so I raised this with them Once you do the hard pull, can you share the credit report with us? and... they said the same thing? They said its illegal: specifically - legally I am not allowed to send the full report but they can go over it with us, line by line. This was a different lender, different bank, etc, saying this. FWIW were talking to local lenders in the DCMDVA area, so... _ツ_ Theyre all colluding to lie injustice!, or the law for local lenders here is different?Anyway - thanks for the righteous justice!! Weve been digging in and the working hypothesis is that Mr. Hubby has a thin credit file, womp womp.  <response>: Stop talking to lenders directly. Find a Mortgage Broker who will be your main contact, and represent YOU to multiple lenders, which the broker can play off of each other to find you the best deal. 