Pivot to the Lenders’ Needs!

 Fast. Accurate. Flexible. Our merged credit report service delivers results in seconds. Order data from one, two, or all three credit repositories. Well positioned to offer the upcoming Bi-Merge files. Receive a complete picture of your borrower’s credit history in a single, easy-to-read, customizable format. 

 Get critical credit information without a hard pull. This inexpensive alternative to a hard pull provides the consumer’s full credit report and FICO score within seconds, all without affecting the borrower’s credit score. Save money, protect the borrower’s future credit opportunities, and get the info you need to ensure your time and effort won’t go to waste.   

 Keep your loan on track with our fixed-price LQI bundle. Our Loan Quality Initiative (LQI) bundle includes three services: Refresh Credit Report, Comparison Report, and Inquiry Clearance Service. These services help you quickly and easily identify undisclosed liabilities, maintain compliance, and reduce the risk of buy-back situations. 

 Easily track credit activity that could put your loan at risk. Reduce your loan repurchase risk and keep closings moving forward with our continuous monitoring of borrower credit activity in the quiet period between the original credit file pull and loan closing. 

 Save yourself time, effort, and worry with automated mailing. Maintain FACT Act compliance with minimal effort and worry. Our Risk-Based Pricing Disclosure product includes the option of having our team mail the disclosure on your behalf. We reduce your workload and responsibility by mailing directly to each consumer for whom you pull credit as part of the application process. Sign up once, and you never need to think about it again. 

Make corrections and updates 90% faster. Position yourself as a valuable customer ally who responds with lightning speed and delivers the exact right loan products. Rapid Rescore expedites bureau-level updates and corrections, making updates available in only 3 to 5 days instead of 30 to 45. Rush requests

available in as few as 24 to 72 hours.

 Minimize risk and make smarter decisions. Get objective, easy-to-read reports in seconds, including business background and financial information, credit risk factors, past liens, judgments, business registrations, bankruptcies, and Uniform Commercial Code (UCC) filings. 

 Identify and respond to Red Flags. These reports alert you to issues that could compromise your compliance with the FACTA “Red Flags Rule.” Using a comprehensive series of checks, searches, and counters to screen each borrower, these products provide immediate data on warning signs and critical discrepancies. This product verifies name, address, phone, SSN Death Master file, DOB, Office of Foreign Assets Control (OFAC), Finn watch lists—in all more than 50 specific and actionable warning messages. 

Prevent mortgage fraud and collateral risk. Our easy-to-read, intuitive fraud reports use patented predictive-analytics scoring technology to expose suspicious mortgage loans at the application stage. This early warning allows lenders, investors, and servicers to quickly and easily identify each loan’s fraud risk before and after funding.

Working closely with a nationally recognized flood provider with forward-thinking technology and unique features. Fully integrated with a vast majority of loan origination software platforms.

Close on time by reducing risk of fraud. Quickly and easily screen and verify applicant tax data to reduce risk of fraud and close more loans with less effort.

Identify red flags before it’s too late. Verify social security numbers in minutes with information sourced directly from the Social Security Administration.

Validate borrower work history in seconds. Get results immediately for most inquiries, and when no instant return is available, a manual verification will keep the process moving.

Eliminate Risk. Save time. Get accurate documentation. Choose digital service, or—when needed—a manual option. Verify both employment, income, and assets in one product. Take advantage of customizable look-back and look-forward features to get the full picture.

• Daily updates
• Nationwide coverage
• Monitoring – set it up and forget it
• Compliance check on origination loans
• Servicing portfolio monitoring

• Significantly reduce false positives
• Customizable name matching
• Real time notifications – no waiting to meet a milestone
• Monitoring capabilities
• Latest technology allows for fast processing times and expedited results on a large scale