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Get access to the highest quality and most
accurate data from the nationwide credit bureaus with our easy-to-read
consumer credit reports. Order Credit Reports Online.
Rapid Risk Score Review
Customers may request a score to be reviewed based on an inaccuracy
that was provided on a credit report. Documentation is required
to send to the credit bureaus. Upon investigation and review,
a new infile will be re accessed. THIS PRODUCT DOES NOT GUARANTEE
A SCORE CHANGE! Click here
for more information about our rapid risk score review.
Infiles
A report accessed from one, two or three
of the credit bureaus with or without scores. The "raw"
credit is merged, processed and delivered to you within seconds.[sample
report]
Modified Merge
Any updates, revisions or additional credit
information needed on an infile product. This is done through
the Supplemental request online and sent to our Customer Service Department.
This is processed and returned to your desktop within minutes.
Residential Mortgage Credit Report (RMCR)
A two or three bureau fully investigated credit report.
This product has employment verified, all balance discrepancies updated,
past due or collection accounts updated, public records verified,
inquiries verified, all accounts outside of 60 days are updated to
current month and an interview may be completed with the applicant.
[sample report]
Quality Control Report
A credit report that was completed by another credit agency is forwarded
to our office. We access two or three of the credit repositories
and match the information we get with the other credit reports.
Incomplete or inaccurate information is noted at the bottom of the
page.
Non-Traditional Credit Report
This report is needed when the borrower has little or no credit.
Three bureaus are accessed and four to six alternative credit items
are verified and added to the report (i.e. utilities, insurance and
daycare).
Fannie Mae Credit Reports
Enables our customers to access credit reports through Fannie Mae's
Desktop Underwriter / Originator. We appear in a drop down menu
to access a three-bureau infile credit report.
Freddie Mac Credit Reports
Enables our customers to access credit reports via the Freddie Mac
drop down menu provided on Loan Prospector.
Credit Analyzer
With Credit Analyzer You can input different scenarios and
Credit Analyzer will take you through the process on how to possibly
improve your borrower's credit score. Click here
for more information about our Credit Analyzer.
Scoring Factors
If you have already received a credit report, access scoring
information from the three major credit agencies to help you better
understand the results.
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Additional types of reports are available.
Check the one most applicable to you. If you have any additional questions
please feel free to contact
us.
Business Report
An Experian business report is accessed and
put into readable format on our form. Interviews are conducted
with the business owner.
[sample report]
Tax Verification
Out Tax Return Verification is the Gold Standard method of validating
the authenticity of Tax Returns or other Income information claimed
by your applicant. Information is verified with the IRS and returned
within 48 hours. [TRV
Forms]
Flood Certifications
Determines if a property is in a flood zone or not. Ordering
and receiving determinations can now be done completely online.
Accurate and insured. [sample
report]
O.F.A.C.
Office of Foreign Assets - Under New Federal Regulations
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you are required to verify your customer is not listed on the
United States Department of Treasury Office of Foreign Asset Control
File, prior to processing their loan.
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