What is this stipulation? (OOW)

• As part of Sunlight’s Know Your Customer requirements, a borrower and co-borrower may be required to call in and verify their identity if Sunlight is unable to validate their identity using third-party verification services (such as LexisNexis®) and/or there are fraud flags on their account.

​How does this stipulation get resolved?

• Have your customer(s) call in to Sunlight Support at (888) - 850 - 3359 to complete an identity verification phone call in private and without any assistance. The sales representative may not be present in a three-way conference call.
• A Sunlight representative will ask the borrower to verify their full social security number and three accounts or “trades” from their credit report as well as the credit limit, the remaining balance, or minimum monthly payment on those accounts.
• The identity verification must be completed by both the primary and co-applicant. 
• If the borrower is unable to complete the identity verification, please refer them to Experian at (888) 397-3742 and ask that they call Sunlight when they are ready with the necessary information.

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