Sure pulling a credit report is simple but keep in mind that a consumer finds out you did without their permision is grounds to be sued. Creditors rights are limited and lender fraud, for consumers has a mighty hammer .
Do not ever pull a credit report without the knowledge of a consumer. What your loan officer needs to do is hire a PI who will do a skip trace. You pull a credit report, and the consumers lawyer finds out, watch out. Lender fraud is $1,000,000 and 30 years in prison. Don't do it. Failure to disclose which this falls under is lender fraud as well.