Best practice is to put the Credit Bureau Action Item 'in progress' by clicking the 'Start' button. This will let anyone else know that you are working on this requirement:

You will then order a Credit Bureau Report in Omni via the Digital Services Dashboard.

You are able to order a credit bureau report in the Digital Services Dashboard in Omni. When the report is returned, you will be able to download the report and review the detail. To do this, open the Bureau Digital Widget and click details:

This will allow you to download and read through the Bureau Report:

The full Assessment supporting documents checklist with include a requirement to attach a copy of the Credit Bureau for each applicant.

The good news is, any Bureau report ordered via a Loanapp/Omni digital widget will automatically be sent to the supporting documents bucket, ready for you to attach. To do this, go to your supporting documents module; and you will see the Bureau report/s on the right panel. You can then drag across to attach to the relevant requirement on the left:

If you do not have an integrated Bureau service, you will need to order the Bureau Report outside of Simpology and attach to the supporting documents checklist manually.

When you review the Bureau Report, you might note detail that was not included in the Loanapp submission - like undisclosed liabilities or directorships. Or, you might note things like many recent credit submissions, defaults or even bankruptcy that needs explanation.

Where you need some explanation, you should issue an Info Request to the broker/applicant to get this detail. You should do this from within the Credit Bureau action item so that it is in the right place.

Open the Action Item:

Add your observations; and click "Info Request":

Create the Info Request and press Request:

The Action item will change to "Waiting".

The Broker/Applicant will receive the request and respond per the regular Info Request functionality. When you receive a response, you will get an email notification; and the Info Request status will change to 'Info Added':

If you click on the Info Request, you will see the response (anything uploaded and comments):

You should review the detail that has been provided, and if acceptable, click "Mark as Completed" to finalise the request. This will send the document to your supporting documents bucket.

Your Action Item will then have recorded:

You should now update the Assessment Summary with the relevant details so that it forms part of the overall summary that can be reviewed at any time. To do this, navigate from the Action item to your Assessment Summary, and open the Assessment Summary.

You should scroll to the relevant section (the Applicants section), and then add any comments or notes that you think should be recorded:

IF the detail discovered on the Bureau Report needs to be added to the Loanapp data, please update the relevant section of loanapp.

You should also then update the Assessment Summary so that the summary data matches your updates.

If your lender has configured digital business rules to be run against the application data, these rules are generally run automatically on submission. If you have requested/received the Bureau Report after submission, you will need to trigger the business rules to run again.

When you have ordered and received the Bureau report/s; and are satisfied no further investigation is required; you are able to "Pass" the Action Item:

and move on to the next task.