Our credit and title are both fully integrated with the 3rd party provider (FNI) who processes these credit checks. These will both run automatically when the credit is run and is typically almost instantaneous. The two areas where support may be called is in the event of a “no match” or “error”.
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No match
If it’s a no match this means that the bureau could not find information on the homeowner. Since we do not require social security number to run credit, it’s possible we’ll be unable to match the homeowner based on general information alone.
First, have the installer ask the homeowner if they entered their social security number. If they did not, ask them to enter it and re-run credit. In most cases, this will fix the issue.
Another possible issue is that the homeowner mistyped something on the credit app - ask them to check for typos
If the homeowner entered a social security number, and there are no typos, but FNI is still unable to match credit, the next step is to ask the homeowner to call Experian customer service for further assistance at: 888-397-3742
During the homeowners' call with Experian, they should ask how long before their credit report is updated in the system. This info is helpful so the installer knows when they should re-run credit in EverBright
Error
If there is an error this means there is some issue when the homeowner ran credit.
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For example, to see if it’s an integration or webhook issue, DataDog is the most useful tool: Datadog
Or if you see an error code, you can search Sentry (Rick add new SOP link)
If that doesn’t work, and you don’t see any other reason for the error, reach out to you co-workers or enter a slack (with all relevant information) on the #SoftwareSupport channel
Samantha Lieberman is a SME on the Qualification phase and may also be able to help
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After corrections are made, the credit must be cancelled and subsequently re-run via the Actions dropdown list within the Qualifications phase shown below.
Frozen Credit Status
In the event that the credit status shows “Frozen”, the customer should let their client know that they have to call their credit bureau to have a freeze lifted on their credit. Once the freeze is lifted, the customer will be able to re-run a pre-qual credit check for the client.
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Pre-qualification initiated
Customer wants to know why the credit has not been approved. Pre-qualification status is initiated. This means that the homeowner has not submitted the application for approval. The installer should follow up with the homeowner to and request that they complete the credit application and send for approval
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Pre-qualification declined
The customer receives an adverse email notification that their credit application has been denied because their credit cannot be verified
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First, have the installer ask the homeowner if they entered their social security number. If they did not, ask them to enter it and re-run credit. In most cases, this will fix the issue.
Another possible issue is that the homeowner mistyped something on the credit app - ask them to check for typos
If the homeowner entered a social security number, and there are no typos, but FNI is still unable to verify credit, the next step is to ask the homeowner to call Experian customer service for further assistance at: 888-397-3742
Credit application declined
If a customer calls in an inquires why their application was denied, reply:
Thank you for your recent credit application. Your request for Solar Financing with Everbright, LLC was carefully considered. The credit criteria include a combination of credit score and additional requirements including mortgage, debt delinquency, bankruptcy, income (DTI) and other factors. The customer should have received an adverse action email from EverBright LLC. We would be happy to reconsider this credit application, if a co-applicant is added to the contract.
For any additional questions, please contact the EverBright Credit and Title Support team at 1-833-830-0475, option 2.
Thank you,