If a realtor asks about a borrower's credit scores, what is the most appropriate course of action?

When dealing with a borrower's sensitive information, such as credit scores, it is essential to prioritize the borrower's privacy and consent. Obtaining permission from the borrower to disclose their credit information to the realtor is the most appropriate action because it respects the borrower's confidentiality and complies with laws and regulations that protect personal financial information, such as the Fair Credit Reporting Act (FCRA). This ensures that the borrower is aware of how their information will be used and allows them to decide whether they are comfortable with it being shared.

In real estate transactions, communication and trust between the borrower and the lender or realtor are crucial. By seeking permission first, it demonstrates professionalism and reinforces the relationship based on transparency and respect for the borrower's rights. Moreover, this approach mitigates any potential legal or ethical issues that may arise from sharing confidential information without consent.