Which consumer credit reporting company do you pull from?
Sunlight uses Experian to access consumer credit reports. If your customer has a implemented a credit freeze or locked the credit report for any reason, please review the article below to learn more about how your customer can unfreeze or unlock the credit report.
Click here for more information on how to resolve a credit freeze
What is a credit freeze:
Consumers who are interested in protecting their credit history can opt to have their credit frozen. This means that a credit inquiry cannot be run unless the consumer temporarily lifts this frozen status.
A credit freeze also allows an individual to control how a U.S. consumer reporting agency is able to sell his/her data.
What to do if a customer has frozen credit:
Currently sunlight works exclusively with Experian for credit reports. Customer will only need to lift credit freeze for Experian.
- Prior to running credit, ask the customer if they have frozen credit.
- If the answer is “YES”, the homeowner can request a temporary freeze removal from Experian in one of the following ways:
- On the Experian website using the applicant's PIN (https://www.experian.com/ncaconline/removefreeze); or
- Over the phone with an Experian customer service representative or using the automated system at 888-397-3742
After the freeze is lifted, your customer can apply for credit through the normal Sunlight credit application process.
For help re-applying after a credit freeze, click here for Sunlight Support information and hours.