How can I reuse my previous credit report if I reapply?

If you applied for an HEI with Point recently, and the residence address is a match, we may reuse the prior credit report instead of pulling a new credit report. A previous report may be reused if: (1) Your first name, last name, social security number, residence address, and phone number match exactly; and (2) Your prior application was submitted within the last 90 days.