804 - Credit Report
This fee covers the cost of a credit report that will be used by the lender to review your credit history and help determine whether to approve your application. Although the fee is collected by INLOAN, that payment goes to the credit service agency. Because lenders require an independent credit report, we cannot reuse any prior credit reports you may have. The cost of a credit report is $49 per report. One report is required per borrower, unless the borrowers are married to each other in which case a combined report can be used for a single $49 fee.