Accuracy of Credit Information in a Credit Report

For all Homium mortgage loans, the underwriter is responsible for reviewing the credit report, as well as all credit information, to determine that the credit report meets Homium 's requirements.

If a borrower indicates that any significant information in the credit file is inaccurate—such as reported accounts that do not belong to the borrower or derogatory information that is reported in error—the originator should carefully review the credit information with the borrower, then request the credit reporting company that provided the information to confirm its accuracy.