Fraud Detection & Verifications
Monitor Borrower Activity From Pull to Close. Every Day.
Undisclosed Debt Monitoring (UDM) continuously watches for new credit activity during the quiet period — alerting you to new tradelines, inquiries, and DTI changes before they derail your loan.
- All Major Bureaus
- Daily Monitoring Alerts
- Reduces Repurchase Risk
- LOS Integrated
What’s Included
Continuous Protection During the Quiet Period
Nearly 14% of mortgage borrowers — even those with strong scores — take on new debt between the original credit pull and closing. UDM catches it before it costs you.
Daily Monitoring Alerts
UDM scans borrower credit files every day for new tradelines, inquiries, and balance changes — delivering alerts directly to your team.
DTI Change Detection
A mere 3% increase in debt-to-income during the quiet period can derail origination and trigger repurchase demands. UDM catches it early.
New Tradeline Alerts
Instantly know when a borrower opens new credit accounts, takes on new debt, or generates hard inquiries during the monitoring window.
Repurchase Risk Reduction
Identify potential loan quality issues before closing — reducing costly repurchase demands from investors and mortgage insurers.
Seamless Integration
Ordered through your portal alongside your standard credit reports. No separate login, no additional vendor relationship required.
Investor & MI Confidence
Demonstrate to investors and mortgage insurers that you actively monitor borrower activity through closing — restoring long-term confidence in your origination process.
UDM vs. Refresh Reports
Choose the Right Pre-Close Protection
UDM and Refresh Reports both protect against undisclosed borrower activity — but they work differently. UDM provides continuous daily monitoring throughout the quiet period, while a Refresh Report is a single point-in-time soft-inquiry credit pull just before closing. Many lenders use both for maximum coverage.
- UDM: Daily alerts from pull to close — catches activity as it happens
- Refresh Reports: Single soft-inquiry pull just before closing
- UDM + Refresh: Maximum coverage — continuous monitoring plus final verification
- Both available through your portal — no separate vendor needed
Also Available
Refresh Reports provide a point-in-time credit update via soft inquiry just before closing — with a color-coded LQI Comparison Report highlighting any changes from the original pull.
Learn About Comply+ & Refresh Reports →How It Works
Set It and Stay Protected
Order UDM With Your Credit Report
Add Undisclosed Debt Monitoring to any tri-merge credit report order through your portal. Monitoring begins immediately.
Continuous Daily Scanning
UDM monitors the borrower's credit file every day for new accounts, inquiries, balance changes, and DTI shifts throughout the quiet period.
Alerts Delivered Automatically
If new credit activity is detected, your team receives an alert with details — giving you time to assess and act before closing.
Close With Confidence
With daily verification that no undisclosed debt has appeared, you can close the loan knowing the borrower's financial picture hasn't changed.
Don’t Let Undisclosed Debt Surprise You at Closing
Join 15,000+ mortgage professionals who protect every loan with continuous borrower monitoring from Credit Technologies. UDM is available through your portal today.