Undisclosed Debt Notifications Report
An Undisclosed Debt Notification (UDN) report tracks a borrower’s new credit activity, such as credit inquiries and new tradelines, during the quiet period between the mortgage application and loan closing.
To use the Upload PDF endpoint for this document, you must use UNDISCLOSED_DEBT_NOTIFICATIONS_REPORT in the form_type parameter.
Field descriptions
The following fields are available on this document type:
| JSON Attribute | Data Type | Description |
|---|---|---|
undisclosed_debt_notifications_report:general:file_number | Text | File # |
undisclosed_debt_notifications_report:general:ordered_by_name | Text | Ordered By Name |
undisclosed_debt_notifications_report:general:reference_number | Text | Reference # |
undisclosed_debt_notifications_report:general:date_ordered | Date | Date Ordered |
undisclosed_debt_notifications_report:applicant_information:applicant_name | Text | Applicant Name |
undisclosed_debt_notifications_report:applicant_information:current_address:address_line_1 | Text | Address Line 1 |
undisclosed_debt_notifications_report:applicant_information:current_address:address_line_2 | Text | Address Line 2 |
undisclosed_debt_notifications_report:applicant_information:current_address:city | Text | City |
undisclosed_debt_notifications_report:applicant_information:current_address:state | State | State |
undisclosed_debt_notifications_report:applicant_information:current_address:zip_code | ZIP Code | ZIP Code |
undisclosed_debt_notifications_report:applicant_information:ssn | Social Security Number | SSN |
undisclosed_debt_notifications_report:notification_monitoring:table:body:row:bureau | Text | Bureau |
undisclosed_debt_notifications_report:notification_monitoring:table:body:row:monitoring_start_date | Date | Monitoring Start Date |
undisclosed_debt_notifications_report:notification_monitoring:table:body:row:monitoring_end_date | Date | Monitoring End Date |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:notification_date | Date | Notification Date |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:source | Text | Source |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:creditor_info | Text | Creditor Info |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:industry | Text | Industry |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:acct_type | Text | Acct Type |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:terms | Text | Terms |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:reported_date | Date | Reported Date |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:opened_date | Date | Opened Date |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:credit_limit | Money | Credit Limit |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:balance | Money | Balance |
undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:status | Text | Status |
undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:notification_date | Date | Notification Date |
undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:company_name | Text | Company Name |
undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:business_type | Text | Business Type |
undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:inquiry_date | Date | Inquiry Date |
undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:reissue | Text | Reissue? |
undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:bureau | Text | Bureau |
undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:notification_date | Date | Notification Date |
undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:creditor_info | Text | Creditor Info |
undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:industry | Text | Industry |
undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:type | Text | Type |
undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:reported_date | Date | Reported Date |
undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:balance | Money | Balance |
undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:bureau | Text | Bureau |
Sample document
Sample JSON result
{
"pk": 80126046,
"uuid": "24b2a353-b4c7-4411-981b-a48c6f7db1fb",
"name": "UNDISCLOSED_DEBT_NOTIFICATIONS_REPORT",
"created": "2026-10-22T15:46:33Z",
"created_ts": "2026-10-22T15:46:33Z",
"verified_pages_count": 1,
"book_status": "ACTIVE",
"id": 80126046,
"forms": [
{
"pk": 123726205,
"uuid": "6a82ae22-2041-4632-8656-60489e9d1150",
"uploaded_doc_pk": 170329931,
"form_type": "UNDISCLOSED_DEBT_NOTIFICATIONS_REPORT",
"form_config_pk": 3776738,
"tables": [
{
"pk": 700685,
"table_type": "undisclosed_debt_notifications_report:notification_monitoring",
"columns": [
{
"column_id": "undisclosed_debt_notifications_report:notification_monitoring:table:body:row:bureau",
"alias_used": "Bureau"
},
{
"column_id": "undisclosed_debt_notifications_report:notification_monitoring:table:body:row:monitoring_start_date",
"alias_used": "Monitoring Start Date"
},
{
"column_id": "undisclosed_debt_notifications_report:notification_monitoring:table:body:row:monitoring_end_date",
"alias_used": "Monitoring End Date"
}
],
"rows": [
{
"cells": {
"undisclosed_debt_notifications_report:notification_monitoring:table:body:row:bureau": {
"value": "EXPERIAN"
},
"undisclosed_debt_notifications_report:notification_monitoring:table:body:row:monitoring_start_date": {
"value": "07/15/2026"
},
"undisclosed_debt_notifications_report:notification_monitoring:table:body:row:monitoring_end_date": {
"value": "09/15/2026"
}
},
"page_doc_pk": 1666778639,
"page_idx": 0
}
]
},
{
"pk": 700686,
"table_type": "undisclosed_debt_notifications_report:new_tradeline_notifications",
"columns": [
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:notification_date",
"alias_used": "Notification Date"
},
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:source",
"alias_used": "Source"
},
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:creditor_info",
"alias_used": "Creditor Info"
},
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:industry",
"alias_used": "Industry"
},
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:acct_type",
"alias_used": "Acct Type"
},
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:terms",
"alias_used": "Terms"
},
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:reported_date",
"alias_used": "Reported Date"
},
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:opened_date",
"alias_used": "Opened Date"
},
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:credit_limit",
"alias_used": "Credit Limit"
},
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:balance",
"alias_used": "Balance"
},
{
"column_id": "undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:status",
"alias_used": "Status"
}
],
"rows": [
{
"cells": {
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:notification_date": {
"value": "08/05/2026"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:source": {
"value": "XP"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:creditor_info": {
"value": "ABC MORTGAGE INC"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:industry": {
"value": "Bankcard"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:acct_type": {
"value": "REV"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:terms": {
"value": "MIN"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:reported_date": {
"value": "07/28/2026"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:opened_date": {
"value": "06/10/2026"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:credit_limit": {
"value": "8500.00"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:balance": {
"value": "7920.00"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:status": {
"value": "AS AGREED"
}
},
"page_doc_pk": 1666778639,
"page_idx": 0
},
{
"cells": {
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:notification_date": {
"value": "08/12/2026"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:source": {
"value": "XP"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:creditor_info": {
"value": "SAMPLE NATIONAL BANK"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:industry": {
"value": "Auto Finance"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:acct_type": {
"value": "INST"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:terms": {
"value": "72M"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:reported_date": {
"value": "08/01/2026"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:opened_date": {
"value": "07/01/2026"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:credit_limit": {
"value": "25000.00"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:balance": {
"value": "24100.00"
},
"undisclosed_debt_notifications_report:new_tradeline_notifications:table:body:row:status": {
"value": "AS AGREED"
}
},
"page_doc_pk": 1666778639,
"page_idx": 0
}
]
},
{
"pk": 700687,
"table_type": "undisclosed_debt_notifications_report:inquiry_notifications",
"columns": [
{
"column_id": "undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:notification_date",
"alias_used": "Notification Date"
},
{
"column_id": "undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:company_name",
"alias_used": "Company Name"
},
{
"column_id": "undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:business_type",
"alias_used": "Business Type"
},
{
"column_id": "undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:inquiry_date",
"alias_used": "Inquiry Date"
},
{
"column_id": "undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:reissue",
"alias_used": "Reissue?"
},
{
"column_id": "undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:bureau",
"alias_used": "Bureau"
}
],
"rows": [
{
"cells": {
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:notification_date": {
"value": "08/05/2026"
},
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:company_name": {
"value": "FAKE ALLSTATE CORPORATION"
},
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:business_type": {
"value": "Mortgage Companies"
},
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:inquiry_date": {
"value": "07/15/2026"
},
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:reissue": {
"value": ""
},
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:bureau": {
"value": "XP"
}
},
"page_doc_pk": 1666778639,
"page_idx": 0
},
{
"cells": {
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:notification_date": {
"value": "08/12/2026"
},
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:company_name": {
"value": "ALLERGAN, FAKE INC."
},
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:business_type": {
"value": "Auto Finance"
},
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:inquiry_date": {
"value": "07/25/2026"
},
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:reissue": {
"value": ""
},
"undisclosed_debt_notifications_report:inquiry_notifications:table:body:row:bureau": {
"value": "XP"
}
},
"page_doc_pk": 1666778639,
"page_idx": 0
}
]
},
{
"pk": 700688,
"table_type": "undisclosed_debt_notifications_report:high_utilization_notifications",
"columns": [
{
"column_id": "undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:notification_date",
"alias_used": "Notification Date"
},
{
"column_id": "undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:creditor_info",
"alias_used": "Creditor Info"
},
{
"column_id": "undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:industry",
"alias_used": "Industry"
},
{
"column_id": "undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:type",
"alias_used": "Type"
},
{
"column_id": "undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:reported_date",
"alias_used": "Reported Date"
},
{
"column_id": "undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:balance",
"alias_used": "Balance"
},
{
"column_id": "undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:bureau",
"alias_used": "Bureau"
}
],
"rows": [
{
"cells": {
"undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:notification_date": {
"value": "08/10/2026"
},
"undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:creditor_info": {
"value": "FAKE FINANCIAL INC"
},
"undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:industry": {
"value": "Bankcard"
},
"undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:type": {
"value": "REV OVER 75%"
},
"undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:reported_date": {
"value": "07/28/2026"
},
"undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:balance": {
"value": "7920.00"
},
"undisclosed_debt_notifications_report:high_utilization_notifications:table:body:row:bureau": {
"value": "XP"
}
},
"page_doc_pk": 1666778639,
"page_idx": 0
}
]
}
],
"attribute_data": null,
"raw_fields": {
"undisclosed_debt_notifications_report:general:file_number": {
"value": "UDN-2026-10101",
"is_empty": false,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
},
"undisclosed_debt_notifications_report:general:date_ordered": {
"value": "08/01/2026",
"is_empty": false,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
},
"undisclosed_debt_notifications_report:general:ordered_by_name": {
"value": "ANY MORTGAGE INC - LOAN DEPT. 1001",
"is_empty": false,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
},
"undisclosed_debt_notifications_report:general:reference_number": {
"value": "FKR-001001",
"is_empty": false,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
},
"undisclosed_debt_notifications_report:applicant_information:ssn": {
"value": "000-00-0000",
"is_empty": false,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
},
"undisclosed_debt_notifications_report:applicant_information:applicant_name": {
"value": "HANS SAMPLE",
"is_empty": false,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
},
"undisclosed_debt_notifications_report:applicant_information:current_address:city": {
"value": "AUBURN",
"is_empty": false,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
},
"undisclosed_debt_notifications_report:applicant_information:current_address:state": {
"value": "NY",
"is_empty": false,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
},
"undisclosed_debt_notifications_report:applicant_information:current_address:zip_code": {
"value": "12345",
"is_empty": false,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
},
"undisclosed_debt_notifications_report:applicant_information:current_address:address_line_1": {
"value": "123 FAKE GRANT AVENUE STREET",
"is_empty": false,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
},
"undisclosed_debt_notifications_report:applicant_information:current_address:address_line_2": {
"value": "",
"is_empty": true,
"alias_used": null,
"source_filename": "UDN_Report_Sample_1_HANS_SAMPLE.pdf",
"confidence": 1.0
}
}
}
],
"book_is_complete": true
}Updated about 4 hours ago
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