can I get a copy of my credit score hard pull result?
I want to refinance my home loan. A KeyBank staff offered me low interest rate. I see 740 and 742 in credit karma, 783 in BOA, 742 in Chase. But after she did the hard pull, she said my score is 736, and she said KeyBank pick the middle one from the three scores from 3 bureau. But if credit karma is correct the middle one should be at least 740.
All the offers got worse, rates higher and closing cost higher. And she refused to give me a copy of the hard pull result.
(Update: She didn't even ask me to sign anything to do the hard pull, just asked me thru phone. It's too unofficial compared to my experience in Citi)
I feel it's like lure and bait. Do I have the right to ask for a copy of the hard pull result? What if she just said some random low number? (Update: not totally random but based on the numbers 740 742 I told her)
Should I buy one time report from https://www.myfico.com/pricing/credit-reports? But it says "Your lender/insurer may use a different credit score." which could be an excuse :(
Update(9/3): chase did a hard pull today and they told me my score is 745.