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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Find out where lost applicants went and why

Do you know where your lost business went? Did your applicants take their business elsewhere – and if so, do you know why?

Our new Lost Sales Analysis by Equifax* can help you gain a better understanding of the applicants you’ve lost, who you lost them to, and why. With this loan-level competitive intelligence, you will be able to make the necessary adjustments to your processes so you can reduce pipeline fallout, maximize your marketing ROI and improve customer retention.

  • Learn which competitors won your applicants’ business
  • Understand portfolio run-off trends to increase customer retention
  • Better assess pipeline fallout to improve your closing rates

The data holds the key

To capture and keep credit-worthy borrowers, you need the detailed data our Lost Sales Analysis provides and the insight it offers to make the right adjustments to your sales and marketing strategies. Specifically, the output contains:

  • The lenders associated with lost sales
  • The characteristics associated with the consumers’ new loans
  • Purchase/Refinance flag

Who reaps the benefits?

Our Lost Sales Analysis helps your marketing and sales team determine where leads went and why. At the same time, those with roles in origination and production will be able to understand what happened in the pipeline to cause the lost sale. And, those responsible for portfolio retention will learn why existing customers left. In the end, your loan operation will gain the intelligence it needs to find out where your lost sales went so you can retain them going forward.

*Lost Sales Analysis is a product of Equifax, Inc., Atlanta, Georgia and Credit Plus is a certified reseller.

Click here to request a product demo or pricing information on our Lost Sales Analysis from your Regional Account Executive.

 

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