A pull fails on 3 June 2026 because the borrower froze all 3 bureau files after an identity theft last year. What action is needed to permit the lender's new-credit report request while the consumer's files are frozen?
Correct Answer
A) The borrower requests a temporary lift or removal at the bureaus needed for the new-credit pull
A. Arrange the relevant freeze lift before retrying the blocked request. A security freeze restricts prospective creditors from accessing the file. The consumer can lift it temporarily without abandoning the protection permanently. Scope and exceptions: A freeze does not prevent every kind of access: existing creditors and specified entities have exceptions, and consumers can inspect their own files. Coordinate the necessary bureaus and access period. This answer does not determine whether a personal copy meets a particular underwriting standard. Source: Access exceptions; Temporary lift of security freeze — https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-freeze-or-security-freeze-on-my-credit-report-en-1341/
Why This Is the Correct Answer
A. Arrange the relevant freeze lift before retrying the blocked request. A security freeze restricts prospective creditors from accessing the file. The consumer can lift it temporarily without abandoning the protection permanently. Scope and exceptions: A freeze does not prevent every kind of access: existing creditors and specified entities have exceptions, and consumers can inspect their own files. Coordinate the necessary bureaus and access period. This answer does not determine whether a personal copy meets a particular underwriting standard.
Why the Other Options Are Wrong
Option B: The lender underwrites from the borrower own copy of the report
A personal copy does not itself unblock the requested bureau access.
Option C: The lender may bypass the freeze using its bureau agreement
An ordinary bureau agreement is not authority to bypass the freeze.
Option D: The freeze blocks lending, so the file must be withdrawn today
The freeze can be lifted; it does not require immediate withdrawal.
Exam Tip
Resolve the access restriction rather than treating identity protection as a credit denial.
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