Q&A: When refinancing mortgage will it reveal credit details to spouse?

Question by Amy R: When refinancing mortgage will it reveal credit details to spouse?
My spouse and I are going to be refinancing our mortgage and added me on. I did check my credit and found that I have a good fico score. However, my spouse doesn’t know about a couple credit cards that I have. Will these details be revealed when we go through the refinancing process to him, or is it more important that I just have a good credit fico score enough that any other details won’t be revealed?

Best answer:

Answer by bdancer222
The mortgage company will be looking at your whole credit report. Your FICO is only a very small part. When you close on the refi, copies of the credit reports will be among the paperwork. So, yes, your spouse will be able to see your credit report and those credit card accounts.

It’s one thing to have separate accounts. It’s quite another to have secret accounts.

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