7.11.2 Requesting a Credit Bureau Report Manually

This topic provides information on manually requesting a credit bureau report.

The Credit Bureau Summary screen enables user to manually request a credit pull. Information from a manual credit pull can be used to validate an application.

To manually request a credit bureau report

1. On the Origination, click Origination. Under Origination, click Underwriting.
2. Under Underwriting, click Underwriting tab. Under Underwriting tab, click Bureau.
3. In the Bureau Details section, click Add.
4. Specify the following information:

   Table 7-47 Bureau Details

   Field	Description
   Applicant	Select the applicant.
   Spouse	Select the applicant’s spouse (if applicable).
   Bureau	Select the credit bureau.
   Report	Select the credit bureau report type.

5. Click Create Request.
   The system displays this information in the Bureau Details section.

   Note:

   If user are requesting a report from Experian Credit Bureau for Premier Attribute Consumer report, user can do so without impacting the consumer FICO score. To facilitate the same, the Soft Pull check box is to be selected in Bureau Details section. This option is available only when the system parameter EXP_PA_SOFT_PULL_IND is enabled in the System Parameters screen and Bureau is selected as EXP with Report as PREMIER ATTRIBUTE in the Bureau Details section.
6. Select Include Debt and Populate Debt in the Applicant/Customer Detail section to populate the Liability section on the Applicants link’s Summary sub screen with data from the credit bureau pull.
7. If user want to receive a copy of a previously pulled credit bureau report, enter the credit bureau reorder number in the Credit Bureau Reorder # field on the Bureau Details section. This enables user to receive a previously pulled credit report.
8. In the New Request section, click Submit Request.

The system displays the latest status of the currently requested bureau report in the Bureau Details section. When the report pull process is complete, the Status field in the Bureau Details section changes from PENDING to COMPLETED.