Selling Guide

Published April 07, 2021

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What are the credit report requirements in DU?

Credit Report Requirements in Desktop Underwriter

Lenders are required to request a three in-file merged credit report from one of the credit information providers listed on Fannie Mae's website. The credit report used by DU in the final loan casefile submission must be maintained in the mortgage loan file. A DU observation message will identify all of the credit reports evaluated by DU during the loan submission. The version of the credit report received by DU must be one that supports trended credit data. Trended credit data is expanded information on a borrower’s credit history at a tradeline level on several monthly factors, including: amount owed, minimum payment, and payment made.

Note: The borrower's present address must be within the U.S., U.S. territories, or an APO, FPO, or DPO military address located within the U.S. in order to obtain a credit report that is compatible with DU loan casefile requirements. Borrowers with foreign credit reports must be manually underwritten.

For additional information, see B3-5.2-01, Requirements for Credit Reports.
 

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