If an applicant's credit report is not appearing, it is likely due to the fact that the applicant has a freeze on their credit report, has been flagged as potentially fraudulent, or does not have a sufficient credit history.
If the applicant's credit has a security freeze, please feel free to send the below message to the applicant.
"To unfreeze your credit report with Equifax, choose one of the following options:
On the web: Go to https://www.equifax.com/personal/credit-report-services/credit-freeze/ and click "Manage A Freeze". Login or register an account (no need to pay for a paid account) if you don't already have an account. In your dashboard, click on "Freeze" and then Permanently or Temporarily lift the freeze (for at least 14 days)
Phone call: Call Equifax's automated line at 800-349-9960 or their customer care at 888-298-0045. You’ll go through the same steps to verify your identity as required to place a freeze over the phone. Lift the freeze for at least 14 days
Please let us know once these issues are resolved, so we can assist you in communicating with the property manager."
If the applicant has a fraud alert or a potential information mismatch, please feel free to send the below message to the applicant.
"We were evaluating your application and found that your Equifax credit score has not reflected. Here are some potential issues:
Personal Information Mismatch: Your details with Equifax (Name, Date of Birth, SSN, Address) do not match what you submitted. Please correct this with Equifax.
Potential Fraud Alert: There may be a fraud alert on your account with the credit bureaus that is preventing us from pulling your report.
To resolve this, the consumer must personally contact the Equifax consumer support line at 1-888-378-4329 and ask for the flag to be removed.
9:00 am to 9:00 pm (ET), Monday through Friday
9:00 am to 6:00 pm (ET), Saturday and Sunday
Please let us know once these issues are resolved, so we can assist you in communicating with the property manager."
After the applicant resolves the issue with their credit report being pulled, you can rerun the credit report directly from the application in the Boom partner platform. Please open the application, click on the credit report section of the application, there will be a button to rerun.
IMPORTANT NOTE : Please note that each credit pull incurs a fee from the credit bureau, and an additional charge typically applies for re-running the report.
Before you proceed, it is important to ensure that the applicant has resolved the issue directly with the credit bureau (e.g., Equifax), and that the information submitted to Boom matches their credit file. Any fraud alerts must also be cleared. Otherwise, the report will return with the same result.