WHAT IS A CREDIT FREEZE?
It prevents lenders from accessing your credit report, so they cannot approve new credit in your name.
Program Application Form
Prepare the application with the customer, collect a complete submission, and follow the financing process.
1
Request ID / driver's license
Get a clear photo or scan of a government-issued ID for the homeowner — and for everyone on title, plus any potential co-signers. Lenders need ID for every signer before they can pull credit.
2
Fill out the application
Use the blank application below. The example shows where each field goes and what to double-check before the customer signs.
3
If the customer has a credit freeze, lift it
If the lender's credit pull is declined or stuck in review, the customer likely has a credit freeze on their TransUnion file. Have them call TransUnion and ask for a global lift so the lender can access their credit report.
CREDIT FREEZE: WHAT YOU NEED TO KNOW
A credit freeze (also called a security freeze) blocks lenders from accessing your credit report.
It helps protect you from identity theft, fraud, and unauthorized loans.
WHAT HAPPENS DURING FINANCING
Lender tries to pull your credit report.
If your credit is frozen, the report is blocked.
The loan application may be declined or stuck in review.
HOW TO LIFT A CREDIT FREEZE
Call TransUnion and request a “global lift” so lenders can access your credit report.
TRANSUNION GLOBAL LIFT
Call 1-888-909-8872 and ask for a “global lift” on your credit freeze.
YOU MAY NEED TO PROVIDE:
Social Security Number
Date of Birth
Current Address
PIN / Passcode
(if previously created)
Original image (reference)
For representatives
Finance submission checklist
Before submitting a finance request, collect and send the following information and documents.
- Lead card
- Include the lead card with the finance request.
- Total amount requested
- State the total amount requested for financing.
- Type of improvement
Specify the type of improvement for this request.
- Insulation
- Roofing
- HVAC
- Windows
- Kitchen
- Bathroom
- Solar
- Water Damage
- Other
- Finance application
- Completed by all homeowners on title.
- Include all co-signers if applicable.
- Government-issued ID
- Driver's license or state ID.
- Required for every applicant listed on the finance application.
- Income and property documentation
For every application, request the following whenever possible:
- Most recent mortgage statement.
- Most recent bank statements showing income deposits.
- Proof of income for each applicant.
Also collect W-2s, tax returns, or pay stubs if required, along with any additional lender-required documents.
- Customer contact information
Provide contact information clearly and legibly.
- Full name
- Email address
- Phone number
Financing process
Service Finance first
Apply through Service Finance first.
Alternative lenders
If denied or approved for insufficient funds, continue with:
Before leaving the home
- Verify all available financing options have been checked.
- Review funding availability with your mentor.
- Do not leave until all possible financing solutions have been explored.
Review and sign chosen financing
- Review approval amounts and terms with the customer.
- Have the customer sign final financing paperwork only for the option(s) they choose.
- Obtain all required signatures for the chosen financing before leaving.
Confirm the final submission
Confirm the required financing documents for the chosen option(s) have been successfully submitted.
Be thorough. Missing documents delay approvals. A complete submission allows the team to pursue multiple lending options if needed.