Mortgage Lending · Loan Origination & Processing
Credit report ordering SOPs
A step-by-step procedure for how loan staff order, re-issue, and handle borrower credit reports during loan origination.
What it usually contains
- When to pull soft versus hard credit and tri-merge reports
- Required borrower authorization and permissible purpose steps
- Joint versus individual borrower ordering rules
- Report expiration dates and re-pull or re-issue timing
- Handling disputes, frozen files, and supplemental or rapid rescore requests
What the assistant uses it for
Answer questions about who may order a credit report, what consent is required, and how long a report stays valid before a new pull. Also useful for resolving frozen credit, disputed tradelines, or duplicate pull charges.
How it is versioned
A document of this type has exactly one current version at a time. Upload a revision and it becomes the version that counts — the one before it is kept and dated, but is no longer what your assistant answers from. Nothing is ever deleted, so you can always show what this document said on a given date.
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