Products and Services
Credit Reports
Our reports are customizable to be as user friendly as possible. We take an interest in every credit report you pull and will help meet underwriter credit conditions to save time, cut costs and increase the volume of closed loans.
Hybrid Soft Pull
Rapidly preapprove your credit prospect with a no-impact,
soft credit pull that can be ran through AUS.
Tri-merge Hard Pull
This customizable report provides you with a high level overview of your applicant's creditworthiness.
Non-Traditional
When you come across a borrower with little to no credit
you can use this to a build credit profile.
International
Provides you with the ability to obtain a credit report for your Canadian borrowers instantly through Equifax.
Score Improvement
If you have a borrower that isn't quite where they need to be to obtain a preapproval after pulling credit, ScoreNavigator's Target Score Simulator™ and Money Simulator™ tools will automatically identify opportunities for potential score increase and outline a plan of action for your borrowers to follow. You can also access their Manual Simulator™ to manually test various scenarios to see how they'll impact the credit scores before your borrower takes action. Once your borrower has completed their Action Plan you can order a rapid rescore through our portal.
Money Simulator
Automatically identifies opportunities for a potential score increase based off the amount of money you input.
Target Score Simulator
Automatically outlines a plan of action for your borrowers to execute that will get you to your target score or higher.
Manual Simulator
Manually test various scenarios to see how they impact the credit scores before your borrower takes action.
Rapid Rescore
Update a tradeline at the bureau level to recalculate and increase the scores for the accounts bureaus you select.
Verification
We have the ability to process our 4506-C Tax Return Verifications and SSA-89 Social Security Verifications in-house, no more waiting on a third party to process your request or follow-up days later to tell you there was an issue.
The Work Number
Verify a borrower's employment history and income within seconds.
SSA-89 Verification
Verifies the borrower's name, DOB and social match the SSA's records.
Tax Return Verification
Direct from the IRS, you can obtain up to the last 4 years of transcripts.
Tradeline Verification
Update existing tradelines to show ongoing creditworthiness for your borrowers.
Fraud and Risk
Ensure you have the the full picture of your borrower's credit profile by running our Liens and Judgement Report. Don't forget to setup Undisclosed Debt Notifications to monitor their credit report to minimize any surprises before closing.
Fraud Report
Custom tailored to your guidelines to help protect your lenders from fraud throughout the loan process.
Liens and Judgements
Verify there are no HOA, child support, divorce, state, federal or IRS liens or judgements
before closing.
Undisclosed Debts
Notification system that alerts you to credit report changes
that could cause delays before closing.
Flood Certification
Required to verify if a property needs flood insurance, this is essential to protecting the
lender.