FAQ: Using Cirrus with CreditPlus

Below are answers to common questions related to the CreditPlus integration with Cirrus

My borrower had frozen their Credit Report. They have unfrozen their report and I pulled it again, but the report still shows the freeze. What do I do?

Credit Plus uses caching to store credit reports so that a borrower will not have their report pulled more than once in a day. If you have pulled a report that was frozen, you can pull it again 24-hours later and the information will display. For information about how to bypass this 24-hour hold period, please contact CreditPlus support. Cirrus also has a copy of this article that can be provided upon request. 

What kind of credit inquiries can I make using Cirrus + CreditPlus?
For more on this, please refer to this article.

Error Message: Order exceeds the maximum number of reports allowed

Please have your Credit Plus admin contact Credit Plus to increase the number of reports permitted in your subscription. Unfortunately, Cirrus cannot resolve this.

Common messages you may see in a Credit Plus report, and what they mean. For more information on messages displayed in a Credit Plus report, please contact Credit Plus support

• No Record Found: This is displayed when the bureaus do not have record of the consumer under the information used to pull credit
• File Frozen by Consumer: When a borrower has frozen their credit, and the borrower must contact the bureaus directly to un-freeze their credit. 
• File Locked at Consumer's Request: Similar to frozen credit files. Must be unlocked by credit bureaus directly. Neither Cirrus no CreditPlus can assist with unfreezing or unlocking files. 
• Inquiry Information Identified as Fraudulent by Consumer - Report not available: This indicates a discrepancy in the consumer's information used to request the credit file. The input information does not match what the bureau has on file. In these cases the consumer will need to contact the bureau's Consumer Affairs office directly to review their Name, DOB, SSN, etc, to be sure it matches the information used to pull credit. This must be handled by the Borrower and Bureau, and neither Cirrus nor CreditPlus can assist. 
  • B - EQUIFAX: INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE: This means that borrower’s Equifax is being reported as Fraudulent by Consumer. This indicates a discrepancy in the consumer’s information (Name, Address, DOB or SSN) used to request the credit profile is not matching what Equifax has on file. In these cases, the consumer will need to contact the office for Equifax Consumer Affairs to review the Name, Address, DOB and SSN on their credit profile so it matches the information used to pull credit.
    
    This must be resolved between the borrower and the bureau. Below is the phone number for Equifax Consumer Affairs: 800-203-7843 option 5 then option 0
• Timeout Error or Bureau is Currently Unavailable: This usually means the Bureau is having technical issues. These interruptions don't typically last long and the report can typically be pulled again later in the same day. 
• Invalid Surname: Not a common error, but often occurs when there are multiple names in the same field. Or, when the borrower's name includes a Title such as MD, Sergeant, or any words the Bureaus believe contain vulgar language.
• City or State is Misspelled: Refers to the address reflecting inaccurate information according to the bureaus. This may be returned for current and past addresses.