Below are details about common errors you may encounter when ordering credit in ARIVE. 

• "Authentication Error: Invalid Credentials" or "Login failed, Desc: AuthenticationFailure" or "Invalid Client Account Identifier Incorrect password supplied"
  • This indicates that the password and/or username you are entering is not correct. If you are using a password manager, verify that it is populating the correct password, or disable it and enter the password manually. If your password is correct and you continue to get this error, go to the credit vendor's website and change your password, then enter the new password into ARIVE.
    

• "Invalid or missing Primary Applicant residential address" or "Invalid current address data for borrower:"
  • This is caused by the borrower's address being missing or inaccurate. This can also be caused by the presence of special/accented characters in the borrower's address, so please ensure that no special characters (such as á, ò, ñ, etc.) are present in the borrower's address.

• "Request data does not match existing file data. Invalid Borrower SSN"
  • This indicates a data mismatch between the loan file and the credit report. Typically this indicates an inaccurate SSN, but in some cases this may be caused by the presence of special/accented characters in the borrower's name or address, so please ensure that no special characters (such as á, ò, ñ, etc.) are present in the borrower's name or address.

• "Invalid Borrower Generation, Borrower Information Missing"
  • This indicates a data mismatch between the loan file and the credit report. Typically this indicates missing borrower info, but this can also be caused by the presence of special/accented characters in the borrower's name or address, so please ensure that no special characters (such as á, ò, ñ, etc.) are present in the borrower's name or address. In some cases, this may be resolved by removing the Suffix from the Borrower Info, if one is entered.
• "Xsd validation > MortgageType: The value is not valid!"
  • Ensure that you have the correct mortgage type selected in the Mortgage Type field of the Loan & Property tab, then try again.
• "Permission denied, Desc: Error"
  • This is a non-specific error message from the credit vendor. You will need to reach out to them directly.
• "System error occurred., Desc: Error"
  • This is a non-specific error message from the credit vendor. You will need to reach out to them directly.
• "Company access is disabled., Desc: AuthenticationFailure"
  • You will need to reach out to the credit vendor directly.
• "Invalid Product or Service Type Permission Denied. Cannot order Merge reports"
  • You will need to reach out to the credit vendor directly.
• "Invalid Product or Service Type Report cannot be retrieved now. Please try later."
  • In some cases, this error is occurs when attempting to re-issue a credit report using a different credit vendor account than the one that did the original credit order.
• "Other Error Requesting Operator ID does not have access to this report / account please verify access with your admin and resubmit"
  • This indicates that the credit account you are using does not have access to the report you are attempting to re-issue. You will need to reach out to the administrator of your credit account, or to the credit vendor themselves.
• "Other Error Invalid Credit Report Id" or "Invalid Report Number., Desc: InvalidData"
  • The credit report ID you have entered is not valid. You will need to reach out to the credit vendor directly.
• "Your account is temporarily disabled due to incomplete paperwork. Please log onto the website to complete the paperwork."
  • You will need to log onto the credit vendor's website and complete whatever paperwork they require.
• "Payment Error: Declined: This transaction has been declined." or "An error occurred while attempting to process your credit card payment., Desc: E251"
  • The payment card you have entered is being declined. If you have any questions about this, you will need to reach out to the credit vendor directly.
• "Payment Error: Credit card transaction failed: WEB EXCEPTION, Desc: Error."
  • The payment card you have on file with the credit vendor is being declined. You will need to reach out to the credit vendor directly.
• "Payment Error: The remote server returned an error: (500) Internal Server Error., Desc: Error"
  • This is caused by a technical issue on the credit vendor's end. You will need to reach out to the credit vendor directly.
• "Unable to process request at this time Operator required to pay for product at point-of-sale, but card data missing or cannot be used."
  • The payment method you have on file with the credit vendor is being declined. You will need to reach out to the credit vendor directly.
    

Frequently Asked Questions

How do I order credit for a borrower with an address outside the United States?

Non-U.S. addresses are not supported for ordering credit in ARIVE.

Can I re-issue a free UWM or Rocket credit report in ARIVE?

Currently this is not supported.

How do I send a borrower a payment link to pay for their credit pull?

If this is supported by your credit vendor, you will need to reach out to them to get the link.

To have your payment link automatically sent to borrowers, you can add it to one of your email templates, via your User Settings > Email / SMS Templates. The best template to add this to would probably be the Confirmation to Borrower on POS App submission template, as this template is triggered when the borrower completes and submits their application through the POS, which requires them to provide e-consent and (assuming you have configured your POS settings to require it) credit consent.

What is the "Pay by Credit Card" checkbox?

The "Pay by Credit Card" checkbox on the Order Credit screen allows you to enter a card to pay for the order when ordering credit. This is most often used when the borrower has provided you with their card info to pay for their own credit report.

If "Pay by Credit Card" is not selected, the credit order will be paid for via whatever payment method you have set up with the credit vendor.

Why didn't the liabilities import from this credit report?

If you chose to import liabilities, but they were not imported, by far the most common cause is that the liabilities on the report have $0 balances. Liabilities with $0 balances will not be imported.

How do I re-import liabilities?

You can re-import liabilities from the credit report by clicking the Re-Import button at the top of the Liabilities section in the Financial Info tab of the loan file.

Why isn't my credit vendor appearing in the dropdown?

Please review our list of supported credit vendors.

If your credit vendor is on this list, but is not appearing as an option in the dropdown, your Company Admin has chosen to disable the use of that credit vendor.