No. While Mortgage PreFlight provides FACTA disclosures that include all three FICO scores, It does not return a copy of your Experian, Trans Union or Equifax credit file. There are multiple ways to obtain a copy of your credit report free of charge. Compliments of FACTA all consumers are able to obtain copies of each of their credit reports annually free of charge through AnnualCreditReport.com.
The tri-merge credit report and FICO scores obtained by your lender through the Mortgage PreFlight process contain data from Experian, Trans Union and Equifax - specifically designed for the mortgage lending process.