If you are submitting directly to Rocket Pro within Finmo, you can pull both individual and joint full credit reports on the application.
Note: You have the option to “Order full credit” after you’re done ordering a soft credit report as well.
How do I pull an individual full credit report?
1. Click on the Application
2. Scroll down to the "Credit & liabilities" section of the application
3. If you did not receive consent to pull credit, please click “Request consent” to send a consent request to the borrower’s email.
4. Once you have received consent, click “Order full credit” for the borrower you’d like to pull credit for.
5. Select the credit provider(s) (Experian, Equifax, TransUnion). Then, click “Order credit”.
6. The credit bureaus will generate a credit report that you can download by clicking “Download credit disclosure” and that will now appear in the borrower’s credit bureau profile.
How do I pull a joint full credit report?
Finmo also offers the option to pull a joint credit report between two borrowers.
Note: You will still have the option to pull individual credit for each borrower following the steps above.
1. Click on the Application
2. Scroll down to the "Credit & liabilities" section of the application
3. If you did not receive consent to pull credit, please click “Request consent” to send a consent request to the borrower’s email.
The option to pull a joint credit report will only appear once valid consent has been received for two or more borrowers.
4. Once you have received consent, click “Order full credit” for either borrower you’d like to pull joint credit for.
5. Select “Joint” credit report type and another borrower to pull the joint report with. Then, click “Continue”.
6. Select the credit provider(s) (Experian, Equifax, TransUnion). Then, click “Order credit”.
7. The credit bureaus will generate a credit report that you can download by clicking “View credit disclosure” and that will now appear in the borrower’s credit bureau profile.
Should you have any questions please click the chat button or supportus@lendesk.com for help.