Frequently asked questions about ordering Equifax credit reports through BrokerEngine.
Frequently Asked Questions
1. Equifax Agreement Setup Error
Q: I completed the Equifax agreement form but received an error.
A: Check that you have accepted the Equifax Terms and Conditions in Flex.
2. Eligibility Error
Q: I tried to order a report but received an error that the Flex Contact ID is not linked.
A: You may not have the correct visibility permissions in Flex. Ask the contact owner (Master Agent) or a Loan Writer to grant permission in Flex.
3. No Report Found
Q: My Equifax report order was successful, but the response says "No Report Found."
A: This means no record exists in Equifax. Double-check applicant details or contact Equifax.
4. Failed Status
Q: My report shows a status of Failed.
A: The credit report could not be generated. Please contact Equifax.
5. Pending Status
Q: My report shows Pending.
A: The request has been sent to Equifax and is awaiting a response. If needed, contact Equifax with the Transaction ID, available in the Contact record under Credit Check.
6. Fileban
Q: What does it mean when my report shows Fileban?
A: A Fileban means the customer has placed a ban on their credit file. You cannot view their report. If you request again and the ban is still active, you will be charged again.
7. Report Options
Q: What is the difference between the report types?
- Equifax One Consumer — Comprehensive scoring model using full credit data. Most top-tier lenders use this.
- Consumer — Older scoring model based only on negative data. Limited accuracy and excludes repayment history.
- For more info, see: Differences Between Consumer & Consumer + Commercial Enquiries.
8. How Do I Sign Up for Equifax?
See: Signing up to Equifax.