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At Informative Research, we’ve built a broad range of credit reporting products, approved in both primary and secondary markets and integrated with most AUS and LOS platforms. Here’s a roundup of our most popular offerings:
Merged Credit Reports
Combine credit information from the three national credit repositories into an accurate, easy-to-read format. Perfect for prequalification and quality control.
• Contain tri-merged information
• Allow for removal of borrower/ co-borrower
• Reissuable to many major lenders
• Eliminate duplicate tradelines
• Retain credit information for 180 days
• Approved by Fannie Mae
• Multiple formats and delivery methods
Bundled Services
Incorporate merged credit reports and detailed supplemental information into one economical package. Ideal for borrowers with complex or uncertain credit history. An important first step in the preparation of a Residential Mortgage Credit Report.
• Contain tri-merged information
• Include up to three verifications or updates (i.e., payment history, rental, employment background or tradeline account update)
• Easily upgradeable to a Residential Mortgage Credit Report
Credit Simulation and Rescoring products
Illustrate the effects of balance transfers, account openings, closings and much more. Potentially increase credit score by correcting data at the bureau level. These powerful tools can help you close more loans.
• Use data from actual report to generate risk models
• Can result in significant score increase in just 72 hours
Supplements
Enhance a credit report by verifying a borrower's recent mortgage, rent or credit account activity. They guarantee use of the most up-to-date information in a credit report.
• Contain updated tradeline information, public records, employment records and addresses, and can include landlord inquiries, VORs and VOMs
• Reflect the most current activity
• 24 to 48 hour turnaround
• 1 and 4-hour rushes available (additional fees apply)
• Custom delivery via fax, e-mail, client system retrieval
Residential Mortgage Credit Reports (RMCR)*
Pair a comprehensive, tri-merged report with independent verification. A must for applications demanding complete accuracy and up-to-the-minute borrower activity.
• 24 to 48 hour turnaround
• Update information 90 days or older
• Obtain public record information
• Allow for removal of borrower/co-borrower
• Process bankruptcy reports
• Multiple formats
• 4-hour rush services available (additional fee applies)
Non-traditional Borrower Reports
Use documented payments to non-reporting entities (i.e., utilities, landlords) to provide risk assessment data. A great option for borrowers with insufficient credit history.
• Allow for accurate credit analysis of borrowers who may otherwise be difficult to qualify
• 24 to 48 hour turnaround
Business Credit Reports
Conduct a thorough, mutli-tiered examination. An essential step in assessing the risks related to commercial lending scenarios, or in performing due diligence.
• 48 to 72 hour turnaround
• Check business background data and corporate records
• Verify business licensing
• Check both credit and banking references