Undisclosed Debt Notifications


Increase closings with Undisclosed Debt Notifications – available through CIS with 1, 2 or all 3 bureaus!

  • Monitor borrower credit activities between time of original credit report pull and closing
  • Monitor credit activities stand-alone, no credit pull required

Stop surprises and protect your book of business with Undisclosed Debt Notifications.
Daily alerts notify you of:

new trade lines
new inquiries

secondary reissues
new public record activity

new collections
new late/delinquent payments
balance & payment changes


You control when to activate alerts based on the loan moving forward or the borrower's progress through qualification thresholds. A look-back period covers timeframe from date of original credit pull to activation date, if needed.

Undisclosed Debt Notifications fulfill directives from FNMA SEL-2010-11: "...every mortgage loan delivered to Fannie Mae must be underwritten to establish that the borrower has the willingness & ability to repay the debt...Fannie Mae expects lenders to have in place 1) processes to facilitate borrower disclosure of changes in financial circumstances through the origination process and 2) prefunding quality control processes to increase the likelihood of discovery of material undisclosed debts.

Contact CIS today to learn more about Undisclosed Debt Notifications!


Access previously-run score simulations! The new What-If Simulator saves the last simulation completed for each bureau. Enhancements also reveal the date the creditor reports to the bureau!

Liens & judgments are no longer included in credit reports. Learn more about this change and how to obtain the public records.

Contact CIS for more information
800.275.7722   info@cisinfo.net