Prior to ordering credit in Blend for the first time, you'll need to enter your credit credentials. Click here to find out where to enter those.
To order credit, click the 'Pull credit' button in the top bar under Application:
Choose to either pull a new report, or retrieve an existing report ordered outside of Blend:
Select the pull type* – either a hard or soft pull.
*Note: a hard tri-merge is required to run AUS
Make sure the borrower’s name, SSN, present address and consent are completed > click ‘Pull Credit’:
The credit report will now be ready to view. A summary is provided, and to view the report click the ‘download’ link:
Notes:
Ordering credit is a trigger in Blend to push data to Encompass. If the loan does not exist yet in Encompass, ordering credit in Blend will push the loan over to Encompass. If the loan does already exist in Encompass, the credit report and associated information will automatically push to the Encompass loan file.
Prior to the ‘App Taken’ milestone being complete, you will need to import the liabilities in Encompass to pull in the FACTA disclosure information. This is done by clicking the ‘Import Liabilities’ button on the Loan Origination Screen.