# In-File Credit Reports An in-file credit report provides credit and public record information obtained from one or more credit repositories. The report contains “as is” information, which typically has not been updated or re-verified as a result of the credit inquiry. The report must meet the following requirements: * The report should include all information from three different credit repositories, or two repositories, if: * that is the extent of the data available for the borrower, or * the borrower’s credit information is frozen at one credit repository. * If only one in-file credit report is available for a borrower, this is acceptable if the underwriter is able to obtain a credit score for the borrower and the originator requested information from three credit repositories. * If the report does not include a reference for each significant debt reported by the borrower on the loan application, the originator must obtain a separate written verification for each unreported (or unrated) debt. * If the report lists accounts that were not checked with the creditor within 90 days of the date of the in-file report, the originator must obtain an updated credit report or a separate written verification for those accounts. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://underwriting.homium.io/underwriting-borrowers/credit-assessment/types-of-credit-reports/in-file-credit-reports.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.