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Credit Reports
With a key focus on mortgage credit, Informative
Research offers a full range of credit reporting options
and services to meet your needs from single bureau in-files
for pre-qualification to tri-merged credit reports that
are accepted by major loan decisioning engines to manually
verified Residential Mortgage Credit Reports (RMCRs).
All reports can be ordered via our state-of-the-art
Web Credit System (WCS)
or through the Loan Origination System (LOS) or wholesale
underwriting engine of your choice.
With the constantly changing landscape
of the mortgage industry, it is important to choose a provider
who has the knowledge and experience to back its products.
When you order an Informative Research credit report, you
can be assured that the data you receive has been run through
a merge logic that is approved by the nation’s top
lending institutions, including Fannie Mae and Bank of
America.
Additionally, Informative Research provides
supplementary products and unmatched customer service to
ensure you are fully supported in your credit needs. Whether
your borrower has perfect credit and all you need is a mortgage
rating, or if your borrower has blemished credit and you
need to identify areas for improvement, Informative Research
has the tools and resources to make your job easier.
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Fannie
Mae: IR is 1 of 12 direct credit providers, and one
of the first listed on Fannie Mae's automated loan software,
Desktop Underwriter® and Desktop Originator®. |
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GMAC
Residential Funding Corporation: IR is 1 of 4 direct
credit providers to Assetwise DirectSM automated loan
evaluation tool. |
The following credit reporting products
are available from Informative Research:
Premier
An automated tri-merged credit report
generated by our proprietary merge engine.
RMCR
A thorough tri-merged report, independently
verified for complete accuracy and up-to-the-minute borrower
data.
Non-traditional
Borrower Reports
These reports evaluate credit risk
on borrowers who may not have enough credit history in the
repository's data in order for you to make an informed lending
decision.
Credit
ReScore
IR's expedited process to correct
a borrower's credit history at the repository level through
investigation and recording.
Streamlined
Report
When all you need is a mortgage rating, the Streamlined
report can provide you with just that detail.
Business
Credit Reports
A report that allows you to thoroughly evaluate new business
accounts according to their credit history and rating.
Fraud
Alert and Detection
A value-added service for our standard
credit reports in order to provide you with heightened protection.
Our sales staff can assist you in
determining the right mix of reports to solve your organization's
specific needs. Also, be sure to inquire about our report
customization capabilities.
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