If a borrower has placed a credit freeze on their credit report and it is showing on our Undisclosed Debt Monitor - UDM, the credit freeze must be unfrozen in order for us to fund the loan. The borrower may have the option to temporarily unfreeze the bureau, but this does not satisfy CMG’s Undisclosed Debt Policy. Frozen credit must be un-frozen by the borrower through the origination process and until the loan funds to adhere to CMG’s Undisclosed Debt Monitoring Policy and Procedure.
How to unfreeze a credit file link: http://docs.cmgfi.com/wholesale/Credit-Plus-How-to-Un-Freeze-a-Credit-File.pdf
Please refer to our program guidelines for complete details.