Customer Training
Maximize your productivity through our training programs.
- Leverage our web based videos and tools
- Minimize Frustration
- Train with the Best!
- Questions answered
- Web-based demos click here
- On-Site Training available
- Weekly conference call training available click here
- For questions email
Credit Reports
Reformatted credit reports from one-to-three of the major bureaus (Experian, Equifax and TransUnion).
- Easy to read detailed reports
- Ability to add or remove spouse and/or bureaus from report
- OFAC – Office of Foreign Assets Control – name matching service
- For a sample Credit Report click here
- For questions email
- Other forms and reports
- Score Disclosure - a notice to the applicant that you have pulled their credit history from TransUnion, Experian, and/or Equifax.
- Consumer Copy - an easy to read version of the credit report to distribute to the borrower. (can be translated into Spanish)
- Derogatory Letter- a letter addressed to the borrower to explain any derogatory accounts or public records. (can be translated into Spanish)
- Creditors- a list of all reported creditors including address and phone numbers.
- Adverse Summary - a report summarizing only derogatory accounts and public records.
- Mortgage Only - a report that list only mortgage accounts.
- Mortgage with Score - same as mortgage only, but with credit scores.
- Denial Letter - a statement of denial, termination, or change. This form requires you to check the necessary statements before you print the form.
- Trade Comparison- a report that contains the raw data from each bureau to determine possible inaccurate data that could be affecting the score.
- Form 1003 - a printable PDF application including the borrowers’ name, ss and address along with liabilities from the credit report.
Fraud Alerts
Detect Fraud on Name, Address or Social Security Number.
- Available through all 3 Bureaus – High Risk (TransUnion), FACS + (Experian) and Safe Scan (Equifax)
Bankruptcy Retrieval Documents Services
Access bankruptcy schedules and documents.
- Saves you and your borrower time
- Get complete bankruptcy documents or only the schedules you need
- Receive bankruptcy documents in 24-48 hours
- Includes both Chapter 7 and 13
- How-to-Order PDF
- For Questions email
Identity Theft Recovery
Have the peace of mind of knowing that a professional is standing ready to restore your good name if identity theft strikes. With this program, you receive the following benefits if you have an identity theft:
- Identitiy Theft Recovery Advocate to recover your good name and rightful credit history.
- A Recovery Guide that includes activation forms and instructions for immediate action.
- Credit reports and analysis from three credit reporting agencies and a *Personal Recovery Plan.
- Management of your recovery until it can be confirmed that your pre-ientity theft status has been restored, no matter how long it takes.
- Post-recovery follow-up for 12 full months to address any additional fraudulent activity that may surface later.
- For more details click here
PRBC Reports
PRBC Reports contain trade line data on rent, mortgage, utility, phone, insurance, childcare and other recurring bill payments that are not commonly reported to the traditional credit bureaus.
Business Credit Reports
Experian's business credit reports provide business background, comprehensive financial information and credit risk facts in an easy-to-read, online format.
Other Credit Reports
Canadian and International Credit Reports
- Canadian Credit Report delivered in 24-48 hours and with a FICO score
- For Printable Canadian Order Form click here
- International Credit Report delivered in 3-7 business days
- For Printable International Order Form click here
- For questions email
Rescore Express
An expedited process to assist the client in updating incorrect information on a consumers credit report.
- Re-score results in 24-72 hours!
- Permanently correct the information at the bureau level
- Individual consultation with an Rescore Express specialist
- Get advice that will help you and your borrower to determine the best course of action to take regarding their credit
- Improves borrower relations by helping them get into a better loan
- Track the progress of your request online
- For a complete Rescore Express package & Submission Form click here
- Submit the Rescore Express Form Online click here (please do not print and fax)
- Get the FAQs on Rescore Express click here
- How-to-Order Video and documents
- For questions email
What If
Lets you see what is likely to happen before the borrower actually takes an action. You can use it to predict results, develop a plan, and make better informed decisions.
- Help your borrowers make better decision regarding their credit score
- Explore how various actions may impact credit scores
- Experiment with specific actions (making payments, removing late payments, transferring balances and more)
- Helps you know when to perform a bureau re-score, saving you time and money
- Find the best actions to maximize credit scores
- Run unlimited scenarios
- How-to-Order Video and PDF
- For questions email
Credit Analyzer
A customer friendly report which analyzes your borrowers credit report and makes specific suggestions for changes to improve scores.
- Converts declined applications into approvals
- Creates customer loyalty and long term relationships
- Saves time by reducing the guess work to determine what steps are needed to increase scores
- Set yourself apart from competition by offering unique products and services
- Advise applicants on the best actions they can take in order to maximize their credit, including potential score improvement and the amount of disposable cash required
- For a sample Report click here
- How-to-Order Video and PDF
- For questions email
Alternative Credit
Reflect a borrower's willingness and ability to meet credit obligations by utilizing alternative credit (housing, utilities, car insurance, rent, etc.), which allows lenders to draw a logical conclusion about a borrower's commitment to making payments on a new mortgage.
- Adds alternative credit history for borrowers that have minimal or no credit
- Improving your customer's opportunity to own a home by providing additional credit history
- Third party verification
- Close more loans with additional credit history
- Satisfies underwriting guidelines by providing additional credit history
- Verifies information that may not report to the 3 major credit bureaus
- How-to-Order PDF
- For questions email
Identity Verification (Transunion Search)
Provides verification of your borrower's name address, and social security number.
- Verifies and checks for contradictory application information
- Protect against application input errors and identity theft fraud
- Stop identity theft fraud from occurring in the beginning of the loan process
- Quality control
- How-to-Order PDF
- For a sample report click here
- For questions email
Identity Verification (Social Security Admin. Search - TotalTIN)
Provides verification of your borrower's name, address, and social security number.
- Verifies and checks for contradictory application information
- Direct from Social Security Administration
- Protect against application input errors and identity theft fraud
- Stop identity theft fraud from occurring in the beginning of the loan process
- How to get setup PDF
- How-to-Order PDF
- For a sample report click here
- For questions email
Tax Return Verification (TRV)
Used to verify the validity of a borrower's income by referencing tax returns filed with the Internal Revenue Service.
- Verified through the IRS
- Information from Consumer or Business Federal Tax returns
- Turnaround in 1-3 days
- Help identify possible issues with "No Doc" loan
- Convenient method for borrowers to supply income information during the loan application process that may have been lost or misplaced
- How to get setup PDF
- How-to-Order PDF
- TRV Subscriber Agreement PDF
- Tax Return and Social Verification Service Login - go here after you have your ID and password from Advantage Credit
- For a sample report click here
- 4506-T for consumer completion PDF
- TRV Fax Order Form PDF
- For questions email
Flood Zone Determination
Offers accurate flood zone determinations that will protect your clients and insure they are in compliance with the National Flood Insurance Program.
- Rapid turnaround time
- National Flood Insurance Program compliant
- Accurate Flood Zone determination provided
- Life-of-Loan Services (for first mortgage loans)
- How-to-Order PDF
- For a sample report click here
- For questions email
Automated Valuation Model (AVM)
Estimates the value of a property based on historical data and projection of property values.
- Automated appraisal which takes seconds versus a manual appraisal which takes days to complete
- Property description and valuation range reflecting current market activity
- Market area price and trend information
- Verifies equity with subject property instantly
- Verify sales price and date as well as comparables in the neighborhood
- Cost effective
- How-to-Order PDF
- For a sample report click here
- For questions email
RMCR
Satisfy investor or Underwriter requirements with a Residential Mortgage Credit Report.
- Verify Borrower's Employment
- Verify any Unsatisfied Public Records
- Verify Tradelines not reported in the last 90 days
- Alternative Credit reports available
- How-to-Order PDF
- For questions email
Bi-Lingual Customer Service
Knowledgeable and Fluent Customer Service Representatives.
- Spanish Documents Available
- For questions email
Accounting Services
Allow you to oversee all aspects of your account and view activities at any time of the month. You are in complete control of all users and their billing.
- Detailed activity at any time of the month
- Ability to print invoice per user
- Control how each user has access to your accounts
- Ability to export invoice data into Excel
- Ability to set up users with credit card billing to reduce overhead or print individual invoices per user
- Ability to set up and maintain off-site branches
- For questions email
