On most big remodels, you're carrying the homeowner's money before they carry yours. Here's how contractors can check a client's credit with permission, read the results, and structure draws so one bad client can't sink a season.
You can legally look up someone's credit score when the law gives you a reason to, and the simplest reason is their OK. Here's where the line sits, with real scenarios, the actual penalties, and how to get consent right.
Most loan leads arrive as a name and a phone number, and half the name is usually misspelled. Here's how lenders turn that phone number into a soft-pull pre-qualification, with the borrower's OK, before the first callback.
The FCRA lists a handful of reasons you're allowed to pull someone's credit. What each one means in real life, which one fits your situation, and the simple record that protects you if anyone asks.
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