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12 Non-Traditional Credit Report
12 Streamedlined Credit Report
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Non-traditional Credit Report

Verified Reports for GSE Loan Programs


My borrower doesn’t have a FICO score. Now what?

Fortunately, both GSE’s recognize this possibility and offer loans through Fannie Mae®’s MyCommunityMortgage® and Freddie Mac®’s Home Possible® Mortgage that alternatively use a...

...Non-Traditional Credit Report.

Studies show that over 30% of non-scoring consumers actually have excellent credit — equivalent to a 680 FICO or better – just not the type of credit data needed by FICO to generate a score.

Enter Informative Research.

Informative Research creates Non-Traditional Credit Reports using alternative, manually verified trade data that meet or exceed the guidelines of Fannie Mae and Freddie Mac.
 

We confirm all past payments and credit agreements with established accounts like utility companies or local store creditors. We use these to create a credit report with ratings sufficient to meet the standards of the GSE programs.

 

The highest priority qualified accounts are housing or utility related including (at least two of these are required):

● Rent expenses – 12 months minimum (required)
● Utility payments: Phone, Electric, Cable TV, Gas, etc.

 

Additional non-traditional tradelines may include:

● Insurance payments
● Recurring payments for child care
● Local trade accounts with businesses
● Tuition payments


Take advantage of Informative Research’s experience and expertise in manual verification of borrower data. We are available to discuss your non-traditional credit needs in detail. To find out how Informative Research can meet your needs for non-scoring borrowers, please contact our Sales team.



 



Product Sheet (pdf)