Mortgage / Real Estate

The Industry's Choice
Internet Access
Instant Report Delivery
Speedy Supplements
48 hr FICO Re-scoring
Excellent Customer Service

Fannie DU/DO
Freddie LP
Flood Search
E-magic
Credit Xpert

Residential Mortgage Credit Reports (RMCRs) provide lenders with the credit information necessary to perform their challenging task of extending loans. Our credit reports are delivered in an easy-to-read format with up-to-date information as reported by the credit bureaus. We make the task of determining credit worthiness and credit risk more efficient and effective.

RMCRs consist of merged credit information from either 2 or 3 of the national credit bureaus (Equifax, Experian, and TransUnion.) Our reports are produced according to the standards and underwriting guidelines of FNMA, FHLMC, FHA, and VA.

RMCRs include the following information:

FICO Scores (no charge)
Verified Employment
Residential Information
Credit History of Current Accounts — accounts paid as agreed
Credit History of Derogatory Accounts — accounts with late payments
Collection Accounts — bad debt handled by a collection agency
Public Records — personal tax liens, civil law suits, bankruptcy filings
Inquiry Tracking — listing of creditors that have inquired on your customer

"Flash" Re-score — Learn more about 48 hour FICO re-scoring.

Preliminary Qualifier Reports can be accessed 24 hours a day and 7 days a week over the Internet. Brokers and lenders can attain the needed credit information on a prospective loan applicant in minutes. Preliminary Qualifier Reports enhance your ability to quickly determine whether a potential customer can qualify for your services. You have the flexibility to order credit information from one, two or all three of the national credit bureaus.

Preliminary Qualifier Reports consist of the same information as RMCRs but in an unedited form as received from the credit bureaus. At times manual account updates may be necessary because accounts may not reflect current information. Also, these reports do not include verified employment.

Demo Software      See Sample Report

Loan Originating Software