If a client uses their CC and increases utilization before or during the funding process, do the lenders only see this if it’s reported and showing on the bureaus? CY - Please review

When you submit a client for funding and their utilization is in order on their credit report and the credit reports are pulled the lenders will not see any changes. UNLESS you submit them for a lender and the client has a personal card with said lender. For example if you submit a client for a business chase product and they change the utilization on a personal chase product, then the lender can see that.