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Why Order a Refreshed Credit Report?

• Compliance with the new 2010 Loan Quality Initiative Guidelines.
• Lender needs to ‘refresh’ a credit report prior to closing.
• The ‘refreshed’ credit report can reveal if the borrower did in fact open additional debt resulting in repayment obligations.

Click here to see Fannie Mae SEL 2010.01 https://www.efanniemae.com/sf/guides/ssg/annltrs/pdf/2010/sel1001.pdf

Click here to see FAQ : https://www.efanniemae.com/sf/lqi/pdf/lqifaqs.pdf
https://www.efanniemae.com/sf/lqi/pdf/undiscliabtips.pdf

to view a pdf of how to pull a refreshed credit report.
How Do I Order a Refreshed Credit Report?

First determine what type of ‘refreshed’ credit report you want to pull.

Options you need to consider:
• Tri Merge or Single Bureau?
• OFAC? HAWK?
• Score?

If you want something other than a full tri-merge with score, contact our customer service dept.
 
 
 


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