Your credit report has more than the score, because part of what makes up you score is the amount of liabilities and how they are handled. Liabilities that will show areCar payments and balanceCredit cardsDepartment store cardsStudent loansChild support/alimony Judgementsu00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0u00a0 And many more.For assetsBank statementsBrokerage accounts401k statements etc.If an applicant is sufficiently strong (20% down-payment and a few months mortgage payments reserved) then all assets are usually not verified.But as a mortgage broker I've even used a car and boat title to boost an otherwise shaky application.