A credit report cannot be pulled for a borrower until their authorization is on file. The Credit Consent section on the deal's compliance record lists every individual on the deal, shows whether that authorization exists, and lets you get it or record it without leaving the file.
When You'd Use This
Use this whenever a bureau pull is blocked because a borrower's authorization isn't on file, or when a client tells you they're withdrawing consent they already gave. Entity parties on the deal never appear here; only the individual borrowers need this authorization.
Sending a Consent Form
Open Request Consent next to a borrower marked "Not on file." The request opens on Email a Form: the borrower's stored email address is pre-filled, and it's editable if it's missing or wrong. Changing it here saves the new address onto their contact record before anything sends. Add an optional line in your own words, then send. The borrower opens the link, reads the authorization, and signs by typing their name; the signed consent lands on the file the moment they submit, no separate approval step needed.
Recording Consent You Already Have
If you already hold the borrower's authorization from another route, switch to Record Manually. Choose how it was obtained: Written, Electronic Signature, Verbal, or Other, and add an evidence note describing where the signed original is kept or how the verbal exchange happened. Recording it writes the consent immediately with no borrower action required.
Consent captured through the client's own intake or a hosted form is labelled "From their intake" or "Signed electronically" on the row; anything you record this way is labelled "Recorded by you," so the source is always visible next to the date it was granted.
Expired and Withdrawn Consent
A consent can carry an expiry date. Once it passes, the row switches back to "Not on file" and shows when it expired, and the same request-or-record flow above gets you a fresh one.
A borrower can also withdraw authorization directly: select Withdraw Consent next to an active consent, confirm, and the row is stamped with the date withdrawn rather than deleted. A credit report cannot be pulled for that borrower afterward, and recording a new authorization is the only way back.
Common Gotchas
- The "missing" count in the section header only counts individual borrowers with no active credit-pull consent; it says nothing about the deal's other consent scopes, like sharing information with the lender.
- Editing the recipient's email address here changes it on the contact record for the whole deal, not just this one send.
- A withdrawn or expired consent is never deleted. The file keeps a full history of who authorized what, and when it stopped being valid.
What to Do Next
- Send the Disclosures a Deal Requires for the provincial disclosures that run alongside this consent.
- Tour the Compliance Record on a Deal to see where credit consent sits among the file's other obligations.
- Pull a credit report once the borrower's authorization is on file.
- See where every file stands across the brokerage, including who's still missing consent.