SharperLending offers Undisclosed Debt Notifications (UDNs) solutions for all three bureaus. Each solution connects to the corresponding bureau at different times during the day to upload new requests and download/deliver new alerts. Use this article to get further details on how each UDN solution operates.
When Does Equifax UDM v1.0 Upload New Orders and Download Alerts?
- Equifax UDM v1.0 uploads any new orders daily in a single batch at 2:05pm Pacific Time (including weekends).
- Equifax UDM v1.0 downloads any new EFX alerts daily in a single batch at 9:15am Pacific Time (including weekends).
When Does Equifax UDM v2.0 Upload New Orders and Download Alerts?
- Equifax UDM v2.0 uploads new orders upon placement by the lender (typically within an hour).
- Equifax UDM v2.0 downloads alerts as soon as an alert is identified for the borrower/co-borrower.
When Does TransUnion PCMN v1.0 Upload New Orders and Download Alerts?
- TU PCMN uploads any new orders daily in a single batch at 8:30am Pacific time (including weekends).
- TU PCMN downloads any new TU alerts daily in a single batch at 11:00am Pacific time (including weekends).
When Does Experian Mortgage Watch Upload New Orders and Download Alerts?
- XPN Mortgage Watch uploads any new orders daily in a single batch at 2:15pm Pacific time (including weekends).
- XPN Mortgage Watch downloads any new alerts daily in a single batch at 10:15am Pacific time (including weekends).
If you are offering any of these solutions to your clients, and you see that files appear to be stuck based on these uploads and download times, please reach out to Tickets@SharperLending.com so we can investigate.