How do I get off HUD’s ‘black list’?

Q: How can I find out if my husband and I are on the ‘black list’ for HUD?

A: We assume you are referring to the federal government's Credit Alert Verification Reporting System (CAIVRS).

CAIVRS is a database created by the U.S. Department of Housing and Urban Development (HUD) to track people who have defaulted on federal obligations, including direct or guaranteed federal loans, incurred a federal lien or judgment, or have had a claim paid by one of many government agencies.

We tackled a similar question recently that answered your very question. Here’s what we said:

For starters, HSH.com has published a very informative article titled, “On the Fed's deadbeat database? Here's how to get off it” which not only explains what CAIVRS is and why you may be on it, but also details how to get off this list.

Authorized employees of participating federal agencies access this list of delinquent federal borrowers for the purpose of prescreening loan applicants for credit worthiness. You won't have access to CAIVRS yourself, but your mortgage lender should check CAIVRS first thing when you apply for a mortgage. The last thing you want is to get loan approval or preapproval, only to get bad news within days of closing that your name was found on the CAIVRS list.

This is important: the reason why you’re on the list--you defaulted on a student loan, you lost an FHA-backed home to foreclosure, you owe the federal government, or you're on CAIVRS by mistake—will dictate how you get off the list.

Gina Pogol contributed to this answer.

Ask the expert
Keith Gumbinger
Keith Gumbinger
Mortgage Expert
Vice President, HSH.com
About Keith: Mortgage market observer and analyst with 35 years experience... (more)
Submitting your question...

Question received! Check back later to see if your
question gets published.

Q: How many times can I use my VA home loan?
OCT 31, 2019
A:

There are three ways you can restore your VA eligibility so that you can take advantage of it more than once.

Read More
Q: Can my lender ask me why I'm buying a specific home?
NOV 06, 2018
A:

Lenders can ask you why you are buying a specific home because there are different lending rules for different types of properties.

Read More
Q: Does the VA allow "asset depletion" mortgages?
SEP 20, 2018
A:

Can you use private-sector retirement income and savings to help qualify for a VA-backed mortgage?

Read More