TELEPHONE SCRIPT FOR GOVERNMENT EMPLOYEES USING CAIVRS

Dial 304-744-4073.

The system will say:

You have reached HUD's Credit Alert System. This is a federal government information system. Unauthorized or improper usage is subject to federal prosecution. System usage is monitored. Using this system constitutes acceptance of monitoring and responsibility for legal and proper usage.

Please enter your credit alert access code, and then press the pound key.

Enter your ten-digit CREDIT ALERT ACCESS CODE.

Note: If the system advises you that:
This is not a valid Credit Alert Access code. Please re-enter your Credit Alert Access code, and then press the pound key.
follow these instructions carefully. If you still receive this message, please check with your Agency CAIVRS coordinator to ensure that you have the correct ID.

The system will say:

If you would like to suppress a case, please press 1 now. If you would like to make a credit alert inquiry, press 2.If the system does not prompt you for suppressing a case, and you should have suppression authority, your PIN has probably expired. Contact the CAIVRS administrator at caivrs_admin@hud.gov, or by phone on 301-292-1661.

If you entered 1, the system will say:

Please enter your personal identification number.

Enter your assigned PIN.

If, instead of suppressing a case, you elect to make a Credit Alert Inquiry, enter 2 and go to the Credit Alert Inquiry instructions below.

The system will say:

If the applicant's ID you are submitting for inquiry is a Social Security Number, press 7.
If the applicant's ID you are submitting for inquiry is a Tax Identification Number, press 8.

Enter the appropriate number.

The system will say:

Please enter the applicant's Social Security Number or Tax Identification Number.

Enter the applicant's ID number.

The system will say:

You have entered… and repeat the ID number entered.

The system will say:

Please press Y if this is correct or N if not correct.

Enter the appropriate letter.

The system will say:

Please enter the case number to be suppressed.

Enter the Agency case number.

The system will say:

Please enter the reason for the suppression:
For repayment, press 1.
For administrative exception, press 2.
If records in error, press 3.
For other reasons, press 9.

Enter the appropriate number.

If the reason for suppression was repayment, the system will say:

Please enter the type of repayment:
For payment in full, press 1.
For compromised settlement, press 2.
For installment plan, press 3.
For IRS offset, press 4.

Enter the appropriate number.

The system will say:

Please enter the amount of repayment in whole dollars only and then press the pound key. You may enter up to six digits.

Enter the dollars repaid.

The system will say:

The case is now suppressed.

The system will say:

If you would like to suppress another case for the same applicant, please press 1.
If you would like to suppress another case for a different applicant, press 2.
If you would like to make a credit alert inquiry, press 3.

Enter the appropriate number and follow the prompts again, or hang up.

Credit Alert Inquiry

If you entered 2 to make a credit alert inquiry, the system will say:

You will be asked to enter a number for the type of loan you are processing. Enter the number immediately. After you enter the number, you must enter the pound sign.

The system will then prompt you to enter a number to select one of the following options:

a HUD Title I Loan, press 1.
an FHA Single Family Loan, press 2.
a Veteran's Administration Loan, press 4.
a USDA Rural Housing Loan, press 5.
a USDA Farm Program Loan, press 6.
a Department of Education Loan, press 7.
a Department of Education Loan, press 8.
a Small Business Administration Loan, press 9.
a Department of Justice J M D Loan, press 10.
a Federal Deposit Insurance Corporation Inquiry, press 11.
a Department of Justice E O U S A, press 12.
a U S D A Rural Development DEBT, press 15.
a U S D A FSL Loan or LDP, press 16.

Enter the appropriate number for the type of loan you are processing, and then press #.

The system will say:

If the applicant's ID you are submitting for inquiry is a Social Security Number, press 7.
If the applicant's ID you are submitting for inquiry is a Tax Identification Number, press 8.

Enter the appropriate number.

The system will say:

Please enter the applicant's Social Security Number or Tax Identification Number.

Enter the applicant's ID number.

The system will say:

You have entered… and repeat the ID number entered.

The system will say:

Please press Y if this is correct or N if not correct.

Enter the appropriate letter.

If the number entered is correct, press 7 and continue processing the inquiry.

If the number entered is not correct, press 8. The system will say:

Please enter the applicant's Social Security Number or Tax Identification Number.

The system will again say:

You have entered… and repeat the ID number entered.

and then say:

Please press Y if this is correct or N if not correct.

Enter the appropriate letter.

If the number entered is correct, press 7, and continue processing the inquiry. If it is not correct, repeat the process of entering the applicant's ID until it is correct.

The system will then search the CAIVRS database for any reported Federal credit default against the applicant's ID.

If no defaults are found, the system will then say:

There are no cases for this applicant.

The system will then provide the CAIVRS Confirmation Code for this inquiry. Be careful to copy this number to the loan application document accurately. The system will prompt you through repeating this information as many times as needed until you are satisfied that you have the correct number.

If there is a default for this applicant, the system will say one of the following:

There is a claim for this applicant.
There is a default for this applicant.
There is a foreclosure for this applicant.
There is a Department of Justice Judgement against this applicant.

If there is more than one defaulted record in the CAIVRS database for this applicant's ID, the system will say:

There are multiple cases for this applicant.

The system will then provide the name of the agency reporting the default, what type of default has been reported to CAIVRS, a point-of-contact phone number for obtaining detailed information regarding the reported default, and then the CAIVRS Confirmation Code. Please be careful to record this information accurately. The system will prompt the caller through repeating the findings as many times as needed to ensure accuracy and completeness. Provide the applicant with these findings and assist the applicant to resolve the reported default, if possible.

If at any time you receive a message stating that the system is unavailable at this time or the database is unavailable at this time, please hang up and try calling the system a little while later.

If, after accurately following the instructions above, you are advised by the system that you need assistance, call the CAIVRS system administrator at 301-292-1661 for help.



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