When you create an application for Mortgage Financing on IRESE, IRESE will contact Kroll (www.kroll.com), our credit reporting partner, and retrieve your credit score and report. If your most recent credit pull is more than 30 days old, IRESE will pull a fresh credit score and report from Kroll (www.kroll.com).

It is IRESE's policy to never change or correct data retrieved from Kroll (www.kroll.com)'s credit reporting service. If you are an owner who has a dispute about your credit score or credit report data, you must resolve it with major credit reporting agencies before it will appear on your IRESE credit profile.

Below are some common discrepancies found in borrower credit grades and credit report data:

• If your credit score seems incorrect, keep in mind that there are many different credit scoring models in use. IRESE uses a model from Kroll (www.kroll.com).
• If the number of current delinquencies on your credit report seems incorrect, keep in mind that IRESE’s "Now delinquent" line item includes unpaid charge-offs or other derogatory balances. This may result in a higher number of current delinquencies than is listed on other credit reports which do not take into account charged-off delinquencies.
• If you have a dispute about one of the line items on your credit report, you should contact major credit agencies to resolve it. IRESE will never alter credit data which has been retrieved from Kroll (www.kroll.com)'s credit reporting service.