Q. Will I still be able to reissue my credit for a DU approval?

A. We will use the new report, pulled by GMG on submission, with the DU approval.

Q. Will GMG upload their credit report into DU to over ride my report?

A. Yes.

Q. If I am signed up with Equifax, can we use my credit report?

A. Yes.

Q. What is all of the contact information for Equifax?

A. Mark Irons - 219.324.6129 - Mark.irons@equifax.com

Q. If a credit supplement is needed, does it have to be added to GMG's report or can I still have it added to my report?

A. It Can be added to the broker report, provided there is no new information on the GMG report that would require additional supplements.

Q. Who is going to be the contact within Gateway to handle any Equifax issues?

A. All issues with the credit agencies have to be handled direct...not through Gateway.

Q. If the borrowers FICO score drops from the time I run credit to when GMG pulls, do I have a chance to get the report rescored?

A. Yes, but in order to do this, the broker would have to be signed up with Equifax.

Q. If the FICO score drops when GMG pulls credit, is this a change of circumstance in regards to re-disclosing a GFE?

A. No, this is not a valid change in circumstance.

Equifax Undisclosed Debt Monitoring

Jerry Lair

6/15/2010