Refresh Report


The Refresh Report complies with Fannie Mae’s Loan Quality Initiative Guidelines. The Refresh Report allows you to obtain an updated copy of the borrower’s credit report through use of a “soft inquiry”. This is generally done just before a loan is closed to ensure that the borrower’s credit does not contain any additional debt or credit inquiries that may disqualify them from obtaining the loan. You may request your Refresh Reports either with or without scores.

Benefits

  • Credit score isn’t affected by this inquiry
  • Checks for new debts
  • This is a soft inquiry
  • The credit score is not affected by this report

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