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. 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 credit report and there will be a button to rerun the credit report.
If the applicant's credit is 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
After you've completed this, please let us know and we will re-run your credit report and be able to move forward with your application."
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) 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.
You may contact Equifax through - 1-888-Equifax (1-888-378-4329)
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."