A user can pull credit reports of any borrower or co- borrower by using the Import action tool within lead details on inflow (see Permission for more details)
Click on the Credit Report option will display a Request Credit Report popup
A credit report can be requested for the borrower or co borrower individually or jointly
Currently, Insellerate is integrated with Funding Suite and Equifax as the reporting service that provides credit report from the 3 credit bureaus of Transunion, Experian and Equifax
The user has the option to select any 1, any 2 or all 3 of the credit bureaus for the credit report information
Before requesting a credit report, there are specific lead details that are mandatory to be able to generate a credit report
SSN number
Birth date
Mailing address
If the above details are not provided, a warning toaster will be displayed asking the user to enter the missing details
After all the required information are filled out, clicking on the Request button on the Request Credit Report popup will lead the user to another disclaimer notifying the user that a charge may be incurred for the credit report and to confirm the request
After the user confirms the request, a blue toaster is displayed notifying the user that the report is in process
If the request is successful, another green toaster is displayed notifying the user that the credit report has been successfully pulled and can now be downloaded
The physical credit report can then be downloaded by clicking on the green toaster
The number of credit pulled by each user is displayed in Sales Manager Report v2 under the Credit Pulls column
See Columns in Credits for more details
All the downloaded credit reports can be accessed in the Document section of the lead details
With each credit report generated and pulled, there is a new entry in the Lead History indicating that the lead’s credit was pulled