Credit Reports - and More!
Credit Plus offers a full range of credit reports as well as robust analytical tools designed to help your clients achieve their goals.
Our credit reports are simple to access through commonly used web browsers and available 24/7. All your data is securely ordered, delivered, stored and managed from one convenient location. Our robust technology allows you to:
- Manage multiple users and rights through our powerful account management features
- Receive valuable management reports, such as activity summaries
- Obtain real-time viewing and printing of billing invoices
- Easily order Credit Score Disclosures to comply with the Fair and Accurate Credit Transactions Act (FACTA). Click here to learn more.
Credit Reports Designed to Meet the Needs of Mortgage Professionals
1, 2 and 3 Bureau Merged Credit Reports – Easy-to-read mortgage credit reports with a choice of FICO scoring models; fraud-prevention add-ons such as TransUnion Hawk Alert and Equifax SafeScan (Identity Scan); and OFAC checks.
GSE Approved Reports – Mortgage credit reports approved by and reissuable to Fannie Mae, Freddie Mac and other lenders such as GMAC-RFC, Option One and First National Bank of Arizona.
Supplemental Mortgage Credit Reports – Reports that include trade line updates and other verifiable information required for mortgage loan approval. Normally completed within hours.
Residential Mortgage Credit Reports (RMCR) – Includes trade line updates, employment verifications, rental verifications and borrower interviews.
Mortgage Only Reports – A 12- or 24-month update-to-date mortgage credit report produced immediately at no additional cost.
Alternative Language Mortgage Credit Reports – Spanish language mortgage credit reports including credit history information accompanied by a description of each score and suggestions on what the client can do to increase his or her rating. Bilingual representatives are also available to assist customers. Chinese language mortgage credit reports are also available.
Business Credit Reports – Contains public record and creditor information from Experian and business reference verifications.
Click here to learn how to properly read a credit report.
Click here to request a product demo or pricing information on mortgage credit reports from your Regional Account Executive.
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The Business Intel Suite from Credit Plus
Businesses are dynamic, constantly adjusting to the environments they find themselves in, be it a slow contraction due to competitive factors, swift growth thanks to tremendous demand, an acquisition or a merger. Keeping in step with a business’ credit status is an important and difficult task for many lenders.
Credit data you can rely on
Our Business Intel Suite provides current, dependable business credit data so you can proactively monitor and manage your business customer’s credit status. The Suite includes several different verification tools:
Business Credit Industry Reports from Equifax®* – Offers detailed, customizable data to help you make sound financial decisions, including:
- Business demographics
- Public records
- Trade and financial payment history
- Personal credit report and FICO score on company’s principal(s)
- And more...
Business Risk Score from Equifax* – Provides business scores built on pre-recession, recession and post-recession data:
- Business Credit Risk Score predicts the likelihood of a business incurring a 90 days severe delinquency or charge-off
- Business Failure Score predicts the likelihood of a business failing through either formal or informal bankruptcy
Business Activity Monitor™ (BAM) from Equifax* – Allows you to regularly monitor business data to ensure you have the most current data reported on a business. Select from up to 23 monitoring criteria for customized alerts that relate to:
- Business registration activity
- Public records
- Sanctions and media activity
Additional Business Verification Services – Credit Plus offers many other verification products that you can use for your commercial lending business:
- Flood reports
- 4506-T tax verifications
- Automated Valuation Models
*Business Credit Industry Reports, Business Credit Risk Score and Business Activity Monitor™ are products of Equifax, Inc., Atlanta, Georgia and Credit Plus is an authorized provider.
Click here to request a product demo or pricing information on our Business Intel Suite from your Regional Account Executive.
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