Credit Platform

Take control of your company’s credit spend

Informative Research’s Credit Platform isn’t just about pulling credit—it’s about reducing inefficiency across your entire credit process. That means fewer unnecessary pulls, better borrower retention, and lower total cost of credit per funded loan.

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Reveal wasteful spending

Learn how your current approach to buying credit data is costing you more than it should.
Credit Platform Strategies

Develop strategies to improve bottom line

Create actionable and realistic strategies to avoid unnecessary credit expenses.
Configuration

Configure the best-in-class credit platform

Build a rules-based process that ensures your strategies are enforced.
Client Success

Lenders using IR’s Credit Platform have avoided tens of millions of dollars in unnecessary credit expense.

We’re not here to drive transaction volume. We’re here to reduce waste, align with your loan strategy, and deliver long-term value. That’s how we’ve maintained 100% strategic client retention.
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We realized we were spending millions annually on credit reports for borrowers who wouldn’t qualify. IR helped us take control of that spending with smarter decisions.

COO, Top-25 IMB
The Problem

Achieving optimal performance of your credit spend is a choice

Cost of credit today is higher than it’s ever been.

The cost of credit reports and related services has climbed to all-time highs. In today’s  environment, every dollar spent on credit must be scrutinized more closely than ever.

Traditional methods of managing credit spend no longer work like they used to.

Legacy credit management approaches were built for a different time – when volumes were high, margins were wider, and pricing more predictable. Today, lenders need real-time visibility into spend, data-driven insights into optimization opportunities and smarter tools to ensure efficiency and compliance to your strategy.

For lenders to take control of rising credit costs, they need to move beyond the status quo.

That’s the power behind Informative Research’s credit platform. By giving lending teams the insight, flexibility, and control they need, IR helps you optimize credit spend, strengthen performance, and build a more resilient operation – no matter what the market throws at you.
How It Works

Using Smart Rules to Minimize Redundant Credit Inquiries

Using our configurable platform and a repeatable process, we review your historical order data to identify cost-saving opportunities and enforce smarter ordering rules that optimize your consumer data spend. And we work with you to ensure results keep improving.

Set rules by branch, user type, or FICO score range. Limit duplicate pulls, enable exceptions where needed, and enforce credit logic that mirrors your real-world operations.

1. Analyze

Review your historical invoices and calculate your baseline net cost of credit per loan.

2. Strategize

Identify opportunities for reduction based on FICO ranges, user behavior, pull-through, and branch structure.

3. Execute

Implement rules-based workflows directly into your LOS or POS.

4. Review

Track invoice performance against the established benchmark for net credit cost per loan.
Our Products

Comprehensive Credit
Product Suite

Informative Research offers a full suite of credit solutions including tri-merge, soft pull, and refresh reports. All designed to support every stage of the lending process.
Tri-Merge

Tri-Merge Credit Reports

  • Pulls consumer credit data from all three national credit bureaus (Equifax, Experian, TransUnion).
  • Delivers a consolidated report so you don’t have to manually compare three separate files.
  • Supports both hard pulls (for underwriting) and soft pulls (for prequalification, without impacting the borrower’s score).
Data refresh

Mortgage Refresh & Account Refresh Reports

  • Designed to help lenders re-check a borrower’s credit before closing.
  • Automatically aligns the refreshed data side-by-side with the original report, making it easy to spot changes (new tradelines, balance shifts, new inquiries).
  • Available in three configurations: Standard, Enhanced with Trended Data, Enhanced New Only
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Prequalification Credit Reports

  • A soft inquiry credit pull that gives lenders early insight into borrower creditworthiness.
  • Pairs with Fannie Mae’s DU Early Assessment so lenders can run Desktop Underwriter findings without a hard pull.
  • Helps reduce costs and protects borrowers from unnecessary credit score impacts if they don’t move forward.
Data Trends

Trended Credit Data

  • Goes beyond static “snapshot” credit reporting.
  • Shows borrower behavior over time (e.g., whether they pay balances in full, revolve debt, or steadily increase balances).
  • Enables lenders to better predict risk and align with investor/agency requirements.
Data Models

Score Models

  • Provides multiple credit scoring options including FICO 10T and VantageScore 4.0.
  • IR makes these models accessible via its credit reports and platforms, giving lenders flexibility as the market transitions away from legacy FICO models.
Credit Supplements & Services

Credit Supplements and Services

  • Supplements: IR contacts creditors directly to update or verify tradeline data that may be missing or incorrect.
  • Rapid Rescoring: Updates bureau files quickly once new information is provided, helping borrowers qualify for better rates or loan approvals.
  • Credit Freeze Removal Assistance: Helps lenders when a borrower’s credit is locked.
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PreClose Monitoring (PCM)

  • Continuously monitors borrower credit from application to closing, alerting lenders to new tradelines, inquiries, balance shifts, or delinquencies.
  • Helps lenders meet GSE requirements for pre-close credit monitoring and reduces the risk of last-minute surprises that could impact loan eligibility.
Additional Benefits

Unlock More Value with Our Tools & Services

Action Center

Our self-service portal enables loan officers and processors to make changes, request supplements/LOEs, and fix issues—all from the credit report itself. No emails. No delays. Just resolution.
Action Center

Credit Supplements & Rescores

Instead of ordering another credit report, our team verifies trade lines with the issuer and borrower, edits and reissues the existing report, and automatically applies rescoring logic to update the loan file.
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Integrations

Fully configured to your workflow

We don’t just plug in—we program our platform to reflect your loan strategy, borrower funnel, and internal workflows, down to the branch level—connecting to the tools you already use. 

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Ready to take control?

Let’s design a better credit process around your borrowers, your branches, and your bottom line.

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Have Questions?

Frequently Asked Questions