Fraud Detection & Verifications
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.
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.
UDM scans borrower credit files every day for new tradelines, inquiries, and balance changes — delivering alerts directly to your team.
A mere 3% increase in debt-to-income during the quiet period can derail origination and trigger repurchase demands. UDM catches it early.
Instantly know when a borrower opens new credit accounts, takes on new debt, or generates hard inquiries during the monitoring window.
Identify potential loan quality issues before closing — reducing costly repurchase demands from investors and mortgage insurers.
Ordered through Credit Insight alongside your standard credit reports. No separate login, no additional vendor relationship required.
Demonstrate to investors and mortgage insurers that you actively monitor borrower activity through closing — restoring long-term confidence in your origination process.
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.
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 →Join 15,000+ mortgage professionals who protect every loan with continuous borrower monitoring from Credit Technologies. UDM is available through Credit Insight today.