Liens & Judgments
The Liens & Judgments service allows mortgage brokers and auditors to uncover liens and judgments misrepresentation from loan applications that were formally included on credit reports. This real-time reporting enables identity verification, fraud analytics, due diligence, and credit risk assessments.
This service requires one-time certification compliance before you can order. You only complete this certification once, then you can order Liens & Judgments reports as needed.
Step 1: Start Your Request
- Log in to bankVOD
- Click ORDER A VERIFICATION
- Find Liens & Judgments card
- Click blue Select button
Step 2: Review Certification Requirements
A certification window will appear explaining:
- Purpose of the service
- Real-time reporting capabilities
- Fraud detection and due diligence uses
- Compliance policy requirements
Read through the certification carefully before proceeding.
Step 3: Complete Company Information
Required Company Details:
- Full Legal Name: Your company's official registered name
- Doing Business As (DBA): If operating under different name (optional)
- Main Phone: Company phone number
- Physical Address: Where services will be accessed
- Years & Months in Business: How long company has operated
- Type of Business: Select from dropdown menu
- Industry: Your business industry
- Federal Employer ID (EIN): Format XX-XXXXXXX
Step 4: Complete Owner/Partner Information
Required Owner Details:
- Complete Name: Owner or authorized partner
- Title: Position in company
- Date of Birth: MM/DD/YYYY
- Office Phone: Direct contact number
- Home Address: Complete address
- Email: Contact email
Step 5: Provide Digital Signature
- Type your complete legal name in the signature field
- This serves as your digital signature certifying the information
Step 6: Review and Accept Terms
Read the compliance statement: "Failure to meet requirements and/or maintain required documentation may result in removal from the LIENS & JUDGMENTS program."
Check both boxes:
✓ I Agree - Certifying all information is true
✓ I Agree to FCRA Permissible Purpose Certification
Step 7: Complete CAPTCHA
- View the security image
- Type the code shown into the text field
- Confirms you are a human user
Step 8: Submit Your Certification
- Review all information for accuracy
- Click Submit button
- Wait for confirmation
What's Next
After Certification Approved:
- You'll receive confirmation email
- Access to Liens & Judgments service activated
- Can begin ordering reports as needed
- Certification remains valid unless compliance issues arise
Ordering Reports: Once certified, you can order Liens & Judgments reports through the standard verification ordering process.
Important Compliance Notes
FCRA Requirements:
- This service is subject to Fair Credit Reporting Act regulations
- Must have permissible purpose to access reports
- Required to maintain proper documentation
- Non-compliance may result in service removal
Documentation:
- Keep certification information current
- Update if company information changes
- Maintain records per FCRA requirements
Permissible Purpose: Liens & Judgments reports may only be ordered for legitimate business purposes such as:
- Mortgage loan origination
- Credit risk assessment
- Fraud detection and prevention
- Due diligence investigations