> For the complete documentation index, see [llms.txt](https://docs.himaxwell.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.himaxwell.com/platform-overview/lender-hub/services/credit-check.md).

# Credit Check

### Credit Check 

Credit Check allows you to pull a credit report in the point of sale, view results, and make limited  adjustments to the line item liabilities. 

Your organization can be configured to run a soft pull, single-bureau report, tri-merge, or a full hard credit report, depending on your preferences. 

#### Pull Credit Report 

1. Go to Services Tab --> Credit Check 
2. Click **Order Credit Report** (At minimum you need full borrower name, address, SSN, and credit authorization) 
3. Confirm your have borrower authorization and **Order Report** (This is typically collected in the loan application, at first login but you can get verbal authorization.)

<figure><img src="/files/hM2TkEKop29E3bcIZCh4" alt="" width="563"><figcaption></figcaption></figure>

#### View Results&#x20;

<figure><img src="/files/Iwoz7rfn3qobgHYpqLkw" alt=""><figcaption></figcaption></figure>

We display the scores and summary of liabilities in our Services tab UX. You can also click **View Report and Download PDF** to review the full results from your credit reporting agency.&#x20;

<figure><img src="/files/Pq3Wf6Kqgp94mzFSH6hb" alt=""><figcaption><p>Full credit report from CRA is available to view/download. </p></figcaption></figure>

#### Adjusting Liabilities&#x20;

You can also make limited adjustments to credit liabilities&#x20;

* Click the edit pencil on the far right side of the liabilities table to edit a specific line item&#x20;

  * Adjust remaining balance, payments,  paid off by closing, and include/exclude in ratios.&#x20;

  <figure><img src="/files/JlEeeAEzrkjmVMik1aAP" alt="" width="563"><figcaption></figcaption></figure>
* Click **Add Liability** at the top right of the table to include any additional liabilities that did not appear in the report&#x20;