A soft-pull credit report, generally requested immediately before closing, to identify changes since the initial credit-pull

Addresses loan quality requirements

Reduces buy-back risk

Ensures terms on which borrower qualified are validated at closing

Prevent buy-back risk by ensuring your applicant’s credit-standing has remained unchanged during the underwriting period.  CIS provides easy-to-access and easy-to-read comparison reports that identify any changes between the original credit report pull and refresh report.  Refresh reports can be accessed with or without a credit score.

Tips: CIS comparison report highlights tradeline changes & new creditors since original credit pull!

Undisclosed Debt Notifications monitor borrower credit activity daily from original credit pull to closing, preventing Refresh-pull surprises