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Premier Credit Reports
Striking a balance
between funding a loan and assuming undue risk is vital to
your organization. Too relaxed in the standards applied to
the credit data interpretation and you risk increased
exposure in your portfolio. Too stringent and you run the
risk of losing business due to an inability to fund loans.
At Informative Research, we have spent years refining our
processes to make sure they strike that balance in order to
meet your needs.
Benefits Include
Additionally, the
Informative Research Premier Credit Report benefits your
organization in several other ways:
Clear CreditView
Full picture of the
borrower's credit profile through a tri-merged report using
proven MergeMax logic that fuses duplicate tradelines
cleanly and efficiently.
3 Month Coverage
Borrower's credit
report contains a full 90-day inquiry list on tradelines.
Easy Formatting
Conveniently
arranged data in a quick-reference layout helps you assemble
a complete borrower profile in seconds.
Risk Model Choice
We can include
Experian Fair Isaac(SM), Equifax Beacon®, and TransUnion
Empirica(SM) risk model scores on your credit report. You
choose the risk model score(s) that best fits your needs.
Additionally, the latest Fair Isaac NextGen risk score is
under review. If you have an interest in the NextGen risk
model score, please contact your sales representative.
Customized Delivery
Data can be
populated into a selection of loan origination software
systems, or you can choose to receive a faxed document or an
email enclosing a PDF file of the borrower profile.
Lender Approved
Due to the increase
in automated LOS systems, lenders rely on our reports for
their underwriting activities. We've been a trusted Fannie
Mae direct credit provider since 1995, and have since
established relationships with GMAC Residential Funding
Corporation, Bank of America, and other top lenders in the
industry.
Common Interface
Interfaces with most
LOS systems for your convenience, including Calyx Point,
Loansoft, Genesis, Mortgageware and more...
CreditSearch
When you are faced
with a borrower whose credit is too new to rate, or when the
services are unable to rate it, our logic performs an
automatic SSN search.
Optional
Features
In addition to the
standard features and benefits we provide, you can choose to
add optional features that may ease your workload. Optional
features include:
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Customizations available on the credit
scoring models.
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Summarized credit score data and
debt-to-income ratio calculations for your borrower
profile.
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Predictive modeling for bankruptcy and
delinquency potential via bureau risk scoring models to
help protect your assets.
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Data patterns regarding borrower
payments, gathered via Bureau information on revolving
accounts.
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Outstanding balance tradeline summary via
the Asset and Debt Worksheet.
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EasyScan Creditor Directory for quick
reference to the creditors named in the report.
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Consumer Referral section to direct
borrowers where they can send their inquiries.
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Customized format to support your loan
officer's workflow. Data can be presented in a format
that best meets your needs.
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Can be ordered as single, two-bureau or
three-bureau report depending upon lender requirements. |
Discover how Informative Research can improve your workflow
and streamline your credit reporting capabilities.
Contact
our sales staff for assistance in identifying the
appropriate solutions today.
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