Credit Services

Make the most out of credit reports with specific, updated information. We confirm tradelines directly with creditors to produce reliable and timely information, so you can make quick, confident lending decisions. All our services are backed by expert customer support to help you understand and analyze information at every stage of your lending process.

Update/Verification

Receive fast updates and verifications to make informed decisions using the most current information available. Update/Verification is available on Merged Credit Reports and Residential Mortgage Credit Reports.

Rapid Rescore

Get faster rescores to make more informed decisions. You'll receive tradeline information updated directly from the repository level for faster turnaround. You'll be notified instantly after updates are completed, letting you immediately re-pull files with current information and updated credit scores. Rescores are available on Merged Credit Reports and Residential Mortgage Credit Reports.

CreditXpert®

Build better relationships with your customers by providing information to help them increase their credit scores. With CreditXpert, you can identify the critical factors and best actions to improve a borrowers' credit. The CreditXpert What-If-Simulator™ allows users to see how various actions affect their credit scores, helping empower them to make better credit decisions. With more information, consumers can gain confidence and knowledge in managing their credit. As a result, you can communicate more effectively and proactively with your customers.

Verification of Mortgage

Get a more complete picture of a customers' financial situation by verifying their mortgage. If a mortgage is not listed on a credit report, this service can validate and add it to the report. You can add the payoff amount, credit history and other specific information for additional fees.

Merge Engine

Reduce costs and increase efficiency by merging credit information at your own lending location. With the Merge Engine, you can combine data from all three national credit reporting agencies into a single report. By using advanced merge logic, you can select either "blended" or "pick and choose" report formats, along with many other configurable options. And by housing the Merge Engine at your lending location and using existing resources, you can save up to 40% on merging fees.