Effective Saturday, Nov. 18, Desktop Underwriter 10.0 and 10.1 will be updated to underwrite loan casefiles when a borrower
has placed a freeze on their credit report at only one of the three credit repositories.
Effective July 2017, credit reports will no longer include most tax liens and civil judgments. There will be no impact to
the DU risk assessment and recommendations. There will be no change to our current policy that requires judgments and liens
to be paid off before or at closing.