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# User Scenario: New Credit Report Request

This scenario begins after Marisol Testcase and Carlos Testcase (sister and brother) reach out to Lenny Lender to determine if they can jointly qualify for a $350,000, 30-year, fixed rate mortgage.

Larry Lender follows this process:

- Lenny requests credit services for Marisol and Carlos using the financial institution’s preferred credit service provider – SettlementOne.
- To request credit services, Lenny creates a new transaction in ComplianceOne mortgage, adds two new borrowers, and enters and saves the following minimum required information:
  - Name: first and last
  - Address: City, State, and ZIP code
  - Social Security Number
- Lenny selects Credit Report on the ComplianceOne services menu.
- On the SettlementOne Credit Service page that displays, Lenny selects Mortgage Credit Report, Carlos Testcase, (in the Joint Lookup drop-down list ) and Get Credit Report.
- ComplianceOne sends the new credit report request to the SettlementOne Credit Service. A joint credit report and data are sent to ComplianceOne mortgage and Larry.
- Lenny reviews, downloads, and saves the Credit Report.
- After saving the credit report, ComplianceOne returns Lenny to the Financial Analysis page that is now automatically populated with the credit data results for Marisol Testcase and Carlos Testcase.

Refer to the views 1-5 for detailed information about New Credit Report scenario.