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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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