Mortgage Credit Reports

Mortgage Credit Reports Designed to Meet Your needs

What is a Residential Mortgage Credit Report?

Tri-Merged Credit Reports With Scores

– In an easy to read format from one or all three of the major bureaus (Experian, Equifax and TransUnion)

Mortgage Only Reports

– A 12- or 24-month update-to-date mortgage credit report produced immediately at no additional cost.

Supplemental Mortgage Credit Reports

– Reports that include trade line updates and other verifiable information required for mortgage loan approval. Normally completed within hours.

Our reports are GSE Approved

– Our mortgage credit reports approved by and can be reissued to Fannie Mae, Freddie Mac and other lenders..

Additional Services and Features:

  • Ability to change FICO Score Models
  • Add or remove spouse and/or bureaus from report
  • OFAC – Office of Foreign Assets Control – name matching service
  • Current Creditor Information available
  • Creditors Phone Numbers on each report
  • Credit Assure
  • Score Disclosure – a notice to the applicant that you have pulled their credit history from TransUnion, Experian, and/or Equifax.
  • Consumer Copy – an easy to read version of the credit report to distribute to the borrower.
  • Letter of Explanation Document A prefilled form letter available for the borrower to address any inquiries and any derogatory information on the original credit report or the refreshing report.
  • Creditors – a list of all reported creditors including address and phone numbers.
  • Adverse Summary – a report summarizing only derogatory accounts and public records.
  • Mortgage with Score – same as mortgage only, but with credit scores.
  • Denial Letter – a statement of denial, termination, or change. This form requires you to check the necessary statements before you print the form.
  • Trade Comparison – a report that contains the raw data from each bureau to determine possible inaccurate data that could be affecting the score.
  • Form 1003 – a printable PDF application including the borrowers’ name, ss and address along with liabilities from the credit report.