Do loan underwriters enjoy the right to contact your creditors directly ? Or, are they required to rely on credit reporting such as Transunion,

Or, are they required to rely on credit reporting such as Transunion, Equifax, or Experian score reporting? I would also similar to to know if an underwriter contacts your creditor directly must s/he notify you verbally or contained by writing? Thanks!

Answers:
Yes, it is done whenever the credit report doesn't give complete information or nearby are gaps contained by the reporting.

They will also call them to clear up any discrepancies.

They don't own to notify you in finance, because you most likely signed a "Borrowers Authorization" form when you applied for the loan, and this is bit of the loan application.

95% of the time, the credit report tells them what they inevitability to know.

Yes, by giving the underwriter your permission to run your credit you are also giving them approval to contact a creditor to find out more information on something.