Understanding a borrower's credit capacity, character, and collateral issues is key to making sound risk decisions. Our Trended Credit*Hi-Lite™ tri-merge credit report offers current, reliable consumer credit data from all three major credit reporting agencies, with trended data. This expands the information used to evaluate a home loan applicant, supplementing the traditional moment-in-time snapshot of an applicant’s credit balances with a more dynamic two-year view of payments and balances.
Edited Credit*Hi-Lite helps you dispute incorrect credit report information. This service can be ordered after Credit*Hi-Lite as a supplemental report. It can be used to update trade lines or public record information, develop landlord references, or add a credit reference that has not yet been reported to the credit reporting agencies.
The Value for Your Business
Trended credit data offers up to 24 months of past payment trends to help better predict risk
Helps to reduce application fraud and improve skip-tracing efforts
Industry-leading customer service, turnaround, and system availability/disaster recovery processes
Streamline Your Application and Adverse Action Process
Fast, easy ordering
“Plug and play” integration to leading Loan Origination, Automated Underwriting, and Point of Sale systems