Since credit report fees are a zero tolerance item, once disclosed, they should not increase. However, the actual charges by the time a loan originates often increase. This may be due to a re-pull for some reason, an automated underwriting may need to be updated, a file separated, etc. Is it possible to have a COC when these circumstances arise? Some investors will not allow an increase at all and will present a cure on the CD, some will do a COC sometimes but not always, and our portfolio loans we just cure.