Texas Real Estate State Practice Exam

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Who is entitled to a free credit report to determine the reason for credit denial?

  1. Seller

  2. Real estate agent

  3. Appraiser

  4. Borrower

The correct answer is: Borrower

Borrower. A borrower, also known as the person applying for a loan or credit, is entitled to a free credit report when determining the reason for credit denial. Sellers, real estate agents, and appraisers are not directly involved in the credit process and would not be given access to a free credit report for this purpose.

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