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Support Frequently Asked Questions
In order to serve you better, we post
the most frequently asked questions and their answers in
easy to understand language.
Whom do I contact if I'm having
technical difficulty?
Informative Research has an experienced
and well-trained staff waiting and willing to assist you with
whatever technical hurdles you may encounter in association
with our services. We go even a step further; we can schedule
an online training session to teach you how to use our services
trouble-free.
What are your support hours
of operation?
Customer Service and Training Support
hours are available:
Monday - Friday, 7:00 a.m.- 6:00 p.m.,
PST
(except Thanksgiving and Christmas)
What are the best times
for scheduling a training session?
Training is usually conducted Monday
- Friday, 9:00 - 11:00 a.m. and 2:00 - 4:00 p.m. PST. If
you are not available during our normal training schedule,
contact our Customer Technical Support and Training department
directly to make an appointment convenient to your schedule.
What are ECOA codes and
what do they mean?
An ECOA (Equal Credit Opportunity
Act) code is listed for each tradeline reported by Informative
Research. The ECOA Code describes the borrower's relationship
to the tradeline. ECOA codes identify a trade as belonging
to an Individual, Joint, Co-Signer, etc. ECOA codes vary
from credit bureau to credit bureau. We compiled the varying
codes and put them in easy to understand tables
for your convenience.
What Loan Origination Systems
(LOS) are supported?
We prepared a list
of the most commonly requested LOS's (pdf) that Informative
Research currently supports. We add new systems regularly.
We encourage you to have your LOS provider contact our Sales
Department directly to be added to Informative Research's
preferred list or please contact your Account Executive.
If I'm using ePass, is it
possible to get a PDF lender report instead of the standard
HTML file?
Simply stated - Yes. You can receive
either PDF file format or HTML files. PDF format is generally
preferred by customers over the standard HTML file that
is returned in ePass.
What is the period of time
during which I can upgrade a report?
A report can be upgraded for 30 days
from the original issue date. After the 30-day period, bureau
data is considered out-of-date.
When I upgrade a credit
report from a single or two-bureau report to a tri-merged
report, does the reference number stay the same?
The reference number will remain
the same as long as the bureau data is within the acceptable
upgrade period of 30 days. The upgrade period start point
is based on the first credit pull date for the borrower.
Can I reissue the tri-merged
file through Fannie Mae?
One of the advantages of using Informative
Research as your Credit Reporting Agency is that the files
can be reissued through a variety of channels. Keep in mind
that files can only be reissued for a limited time. Currently,
Fannie Mae accepts files within 120 days of the original
pull date. The reissue period start point is based on the
first credit pull date for the borrower.
Can a credit report still
be reissued even if the file had supplemental work done?
Yes. We maintain the original raw
bureau data on file and the raw data can be reissued within
the acceptable time frame (currently 120 days for Fannie
Mae).
It is important to note that the
original pull date is the date of the earliest transaction
for the borrower. For instance, you pull a single bureau
for pre-qualification; 30-days later you upgrade to a three-bureau
report. The original issue date prevails.
Can RMCR files by reissued?
As a standard industry practice,
only raw bureau data can be reissued to wholesales lenders
or GSEs, e.g. Fannie Mae, Freddie Mac, etc. Due to the extensive
modifications and verifications that we perform during the
RMCR process, we cannot reissue RMCR files.
We maintain the original raw bureau
data on file and the raw data can be reissued within the
acceptable time frame (currently 120 days for Fannie Mae).
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