Selling Guide

Published December 16, 2020

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Is a loan still eligible for delivery if the credit report reflects frozen credit?

Frozen Credit Requirements

If the borrower’s credit information is frozen at one of the credit repositories for borrowers who have traditional credit, the credit report is still acceptable as long as

  • credit data is available from two repositories,
  • a credit score is obtained from at least one of those two repositories, and
  • the lender requested a three in-file merged report.

Loans for borrowers with credit data frozen at two or more of the credit repositories will not be eligible whether underwritten manually or in DU.

For additional information, refer to B3-5.1-01, General Requirements for Credit Scores.

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