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Lender Solutions
Kroll Factual Data offers lenders a full range of real-time lender solutions designed to transfer your risk, enhance safety and soundness and increase profitability. Our secure online interface enables you to request only the data you need and receive results instantly. Our proprietary arrangement with leading national databases ensures that the information is always current and complete.
Credit Reports
Kroll Factual Data’s Bureau Express merged credit report combines the credit histories from one, two, or all three credit repositories into a single easy-to-read report. Known not only for innovative technology, Kroll Factual Data is also the widely recognized leader in customer service by guaranteeing that any tradeline update or verification request will be completed within 4 hours or it’s free. MORE
Identity Risk Assessment
Accurately identify borrower and occupancy misrepresentation by utilizing a proprietary, knowledge-based risk assessment engine that is based on the best industry practices. MORE
Income & Employment Risk Assessment
Assess the risk of potential misrepresentation associated in categories such as employment and income for each applicant. Analysis of third party data source information is used in conjunction with sophisticated algorithms for analysis of the clients’ inventory to determine if there are inconsistencies in employment and income. In addition, existing credit information and third party sources are examined for possible asset/REO misrepresentation. MORE
Collateral Risk Assessment
Protects lenders and investors against property value misrepresentation by comprehensively evaluating property data to determine the valuation risk, flip risk, market risk, address validation risk, and ownership and title risk. MORE
Participant Risk Assessment
Utilizing advanced, knowledge-based analytics, comprehensively assess the risk of potential misrepresentation of the broker, appraiser, loan officer, closing agent, and the other participants involved in a mortgage loan transaction. MORE
Business Information
Whether you need business information for a self-employed borrower, FHA approval, state licensing requirements or to screen a third party originator, our comprehensive commercial information solution, Business Insight, can assist you. MORE
Bureau Rescoring
Lenders often must wait weeks for a loan applicant’s credit score to be revised once credit disputes have been resolved. Kroll Factual Data's bureau rescoring speeds up the process, providing an updated score within days so you can close deals faster. MORE
Employment Screening
Customizable qualifying and screening systems - helping you gain insight into a job applicant’s identity, criminal history, employment and educational background. MORE
Automated Valuation Models
The quality of any mortgage loan depends on the market value of the subject property. Our Automated Valuation Models can tell you instantly and accurately what a residence is worth anywhere in the United States.MORE
Enhanced Property Report
Evaluate and underwrite home equity, second mortgage, and refinance loans faster and more economically than with traditionally used products.MORE
Portfolio Review
Up to 50,000 loans can be evaluated, including financial histories, identities, and personal data - within 24 hours. Our Portfolio Review program specializes in assessing large pools of loans swiftly and accurately. MORE
Credit Score Analysis
Help applicants improve their credit with advanced tools designed to close more loans. In fact, many lenders using our solutions as an integral part of their loan origination process are closing 30% more loans every month.MORE
Third Party Verifications
Third Party Verifications addresses the growing need of lenders, servicers, and financial institutions to obtain an unbiased verification of information accurately, efficiently, and with variable expense.MORE
Flood Solutions
Our flood compliance products, exceptional client service and GIS technology are combined with a 4 hours or it’s free guarantee on researched flood determinations.MORE
Collection Solutions
In order to recover debt fast, you need a tool that provides the most accurate contact and credit information about the debtor, in a format that is easy to use and review. Kroll Factual Data’s collection information solutions helps increase collection recoveries by merging up-to-date debtor information from multiple sources into one report.MORE
Collateral Verifications
As a lender, to process a mortgage loan application, you need to know the borrower’s mortgage lien information as well as any tax liens or judgments. The Collateral Verification Report instantly uncovers this data, resulting in quick underwriting decisions at reduced costs. MORE
Estimated Replacement Cost
Reduce your loan risk by verifying that your customers’ properties are adequately insured against loss.MORE
Loan Modification Tools
Servicers are already wrestling with historic levels of loan defaults, foreclosure inventories and pressure to do more loan modifications, and are looking for innovative and accessible solutions to help them become more efficient. MORE
Kroll Factual Data provides powerful solutions that help our clients make qualified and confident business decisions that transfer risk, enhance safety and soundness, and increase profitability