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Mortgage

A Fraud Alert on the Credit Report Is a Legal Stop: What FCRA Section 605A Requires Before a Mortgage Proceeds, and Who Makes the Call

An initial, extended or active duty alert on a tri-merge report restricts the lender by statute, and the verification has to go to the phone number in the alert, which is not always the one on the application. Address discrepancy notices carry their own duty under Regulation V. A technical account of how our agents read alerts on every credit pull, what they compare, and why we decided the verification call is made by a person.

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