Hi Luvbach1,A reverse mortgage is not dependent on your credit score - so the lender should not need to run your credit score. The only qualification filters are - any party on the title needs to be 62 years old or older- the homeowner needs to have enough equity in their home to qualify.You can get a call from a licensed reverse mortgage specialist who can answer your questions by completing this form on this site: https://www.newretirement.com/Services/Reverse_Mortgage_Advice.aspx