# Credit/liability sweep

**Mortgage Dorks Season 1**
**Course:** Deal Desk
**Lesson:** Credit and Liabilities: The Quiet Deal Killers
**Format:** Checklist

## Use This For

Spot the liabilities and credit facts that look small until they change the approval.

## Artifact Contents

- Score and recent credit events.
- Disputes, collections, liens, judgments, or housing history issues.
- Student loan treatment and payment proof.
- Payoff assumptions and documentation.
- Undisclosed or non-credit-report debts.

## How To Use It

- Find three quiet liability risks in the synthetic credit summary.
- Write the cleanest borrower question for each one.

## Guardrail

Use synthetic or anonymized facts only. Remove names, exact property addresses, phone/email, SSN/DOB, loan numbers, account numbers, NMLS/customer IDs, unique employer or business names, screenshots, credit reports, AUS findings, tax docs, bank docs, and any combination of facts that could identify a borrower or customer. Education and workflow support only. Not underwriting approval, legal advice, tax advice, financial advice, a rate quote, or a promise of eligibility. Follow employer, investor, agency, state, and federal requirements.