ARIVE integrates with many credit vendors, as well as both Fannie Mae's DO and Freddie Mac's LPA.
You have two options for entering your credentials:
- You can enter shared company-wide credentials for Credit and/or AUS in the Credentials tab of your Company Settings. Credentials entered here can be used by any user in your company.
- You can enter your personal credentials for Credit and/or AUS in the Credentials tab of your User Settings. Credentials entered here will only be available to be used by you.
Important: It is okay to have Credit credentials entered in both places, but you should not enter AUS credentials in both places. If you have shared company AUS credentials, ONLY enter them in your Company Settings and leave them blank in your User Settings.
This article describes entering shared credentials in your Company Settings, but the process is identical for your personal credentials--you just go to the Credentials tab in your User Settings instead of Company Settings.
First, click your profile icon in the top right corner of the screen and go to your Company Settings.
Then, on the left side of the screen click Credentials. This will take you to the Credentials screen. Across the top you will see the different system credentials that can be entered here--Credit Accounts, AUS-DO, and AUS-LPA. Additionally, if you are Non-Del there will also be a tab for you to enter your Doc Magic credentials.
Credit
To add your Credit credentials, click + Credit Account and select your credit vendor from the dropdown, and enter your username and password. After you've added the account, there is an optional checkbox if you want to set it as your default credit account, so you won't have to pick it from the dropdown each time you run credit.
Hard vs Soft Credit Pulls: Some credit vendors (namely, all credit vendors powered by Meridian, and some others) give their users two separate sets of credentials, one for hard pulls and one for soft pulls. When setting up your Credit Accounts in your Credentials tab, enter these as two separate accounts, and check the checkbox that says “Soft Check” for your soft pull credentials. If you run credit using your hard pull credentials, it will still be a hard pull even if you have "Soft Check" selected.
Other credit vendors use the same credentials for both hard and soft pulls. When entering your credentials for one of these vendors, the Soft Check checkbox will not appear. When you are actually running credit with these credentials, you will be given the option to choose Soft Check, and if you do not, it will default to a Hard pull. 
Note: If you are signed up for UWM Credco Credit Special, see this article for more info on your credentials.
For a list of supported credit vendors, see Which Credit Vendors are Supported?
AUS
In the next tab you will enter your DO credentials.
There are two error messages you may encounter when entering these credentials.
- "User not authenticated"
- In almost all cases, this error is caused by your username or password being entered incorrectly. In rare cases, if you have very recently changed your Fannie Mae credentials you may get this message even if they are correct. If this is the case, the problem will resolve itself within 24 hours.
- "XIS Internal Application Error"
- This is caused by an issue on Fannie Mae's end. Reach out to them at 800-2FANNIE and they will be able to fix this. If they tell you the problem is not on their end, they are mistaken. Ask to speak to their Technical Troubleshooting Team.
For more information on troubleshooting AUS errors, see Troubleshooting AUS.
In the next tab you will enter your LPA credentials. Note that you must use your "system-to-system" credentials, not your regular Freddie Mac credentials. Call Freddie Mac at 800-FREDDIE if you don't know what your system-to-system credentials are.
There are two error messages you may encounter when entering these credentials.
- "Unauthorized"
- This error is caused by your username or password being entered incorrectly. Remember, you must enter your system-to-system credentials, not your regular Freddie Mac credentials. Your system-to-system username will contain "sys2sys" in the username, usually at the end. Call Freddie Mac at 800-FREDDIE if you don't know what your system-to-system credentials are.
- "XIS Internal Application Error"
- This is caused by an issue on Freddie Mac's end. Reach out to them at 800-FREDDIE and they will be able to fix this. If they tell you the problem is not on their end, they are mistaken. Ask to speak to their Technical Troubleshooting Team.
For more information on troubleshooting AUS errors, see Troubleshooting AUS.
If you are on our Non-Del plan, you will enter your Doc Magic account credentials in the Doc Magic tab to integrate that account with ARIVE.
If you're following our New User Onboarding Guide,
