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| HOW LONG IS A CREDIT REPORT VALID? |
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How long is credit report valid? All documents may be up to 120 days old at the time the loan closes (180 days for new construction) unless HUD instructions specify a different timeframe or the nature of the document is such that its validity for underwriting purposes is not affected by being older than the number of prescribed days (e.g., divorce decrees, tax returns). Updated, written verifications must be obtained when the age of the documents exceed these limits. Handbook 4155.2: 3.C.2.d Click the START NOW to get Pre Approved Today!
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