Getting ready
Downloading a certificate
Adding or deleting operators/users
Viewing previously pulled reports
Ordering online customer service
Printing a report
Viewing online billing
Ordering a report through the website
Adding or removing a borrower/co-borrower
Mortgage only reports
Adding tradelines, verifying addresses or employment

Frequently Asked Questions

Logging in to the website
Printing
Online customer service
Opening PDF documents
FICO scores
Getting new scores in less than 30 days from last report
Adding a fraud search to an existing report

Getting Ready

Before you use our website, you may need to make some adjustments to your browser settings. To do so, follow these steps:

1. Open your internet browser. (It is recommended that you use Internet Explorer.)
2. From the options along the top of browser window (File, Edit, View, Favorites, Tools, Help), select Tools.
3. Select Internet Options, which will open a small window with several tabs across the top.
4. Select the General tab.
5. In the Temporary Internet Files section, select Settings.
6. In the Check for newer versions of stored pages section, select Every visit to the page.
7. Select OK, which will take you back to Internet Options.
8. Again in the Temporary Internet Files section, select Delete Files.
9. Select OK to delete the temporary files. An hourglass will appear until the deletion process is complete, which may take a few minutes.
10. Select the Security tab.
11. Select Custom Level.
12. Scroll down to the Cookies section. Make sure both options under Cookies are set to Enable.
13. Select OK to save the Cookies changes.
14. Select OK to close the Internet Options window.

Note to AOL users: The browser that comes with AOL is a stripped-down version of Internet Explorer and may not work as well as the standard version. It is recommended that once you've connected to the internet using AOL, minimize the AOL browser (click on the third button from the right in the upper right-hand corner of the browser - it looks like a small underline). Once you've minimized the AOL browser, open your standard Internet Explorer and proceed as normal.
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1. Connect to the Internet.
2. Type www.krollfactualdata.com in the address field of the browser and hit Enter (or click on Go).
3. On the left hand side of the screen near the top select Access Information.
4. On the next screen select the hyperlink that says to Get Certificate.
5. Enter your First and Last name and select Continue.
6. Enter your Office Code (4 digit number), your Client Code (3-6 digits), and your Certificate password and select Get Certificate.

NOTE: If you don't know your Office Code, Client Code, and password, please contact your sales rep or call 800.929.3400

7. If the Office Code, Client Code and password are valid, you will get the "Installation Complete" screen. With your mouse, right-click on the blue KFD Login hyperlink.
8. From the popup box of options that appear, select Add to Favorites. This will add a link to your browser Favorites. If for some reason the certificate is deleted from your hard-drive, you can still access the Kroll Factual Data software using this link.
9. Select OK on the Add Favorites box.
10. Use this Favorites link when ever you need to access the Kroll Factual Data web-based software.

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How to Add/Delete an Operator

You must be listed in the Operator Preferences as a Software Administrator to add and delete operators.

NOTE: The user names for operators will show on the credit report and Must be unique.

1. Log into the favorite saved in Internet Explorer
2. Click on Bureau Express
3. Click on Operator Preferences
4. There is an option in the top left corner labeled Add Operator, please click on that.
5. Here you may enter in your operator’s information as you see fit.
6. Please be sure to verify the Operator Access Level you wish them to have. Starting from the bottom, each level has the access of the one below plus the abilities described for that access level.

a. Data Entry access: Can only Order reports. They can not work on reports or view reports that have already been ordered.

b. By Operator Code: only allows them to have access to reports they themselves pull through .com, Byte or Calyx Interface. If reports are pulled through any other Loan Origination Software (LOS) system you will need to give them either access to All Reports in order to be able to view/work on reports through the .com system or set their client code to the LOS client code number and give them access by client code. The third option is to make sure their user name for the LOS matches EXACTLY the user name they use to log into Kroll Factual Data.

c. By Client Code makes it so they can only see the reports under the Client Code you assign them in the Operator Client Code area to the right of the Operator Set Up screen. If you use an LOS system that requires it’s own code this is a good option especially if you have set it up so that each of your Loan Officers have their own Client Code AND that if a special code is needed for that LOS that you change their client code in Operator Preferences to match that code.

d. Access to All Reports: this option allows a person to see all reports under all codes you have access to. This is a good selection to use for Processors.

e. Software Administrator: can see all reports under all codes plus has the ability to adjust your Client Preferences, and Add and Delete Operators from the list. This is the person Kroll Factual Data will refer clients to who do not have a user name or access to a report.

7. Caution! Clicking on view and print reports only will make it so a person can NOT order any reports or do Customer Services. Also be aware that setting someone up for Data Entry Only will allow a person to only order reports not view or print.
8. If you have more then one client code then please verify what Client Code you wish to have as the default for that operator to pull their reports from.
9. It is a good idea to give each person the Quick Print Option so that they can print from the Report List directly.
10. When you are done click on submit operator changes in the bottom left hand corner of the screen. Your operator has been added.

To Delete an Operator

1. follow steps 1 through 3
2. click on the persons name you wish to delete. The Operator Set Up screen will show and at the bottom you will see Delete Operator as an option.
3. click on Delete Operator.

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1. From the Operator Functions screen, select Report List. (To get to the Operator Functions screen, select one of the product names, Bureau Express, Resident Screening, or Employment Screening, after logging into the .com software )
2. Enter the search parameters necessary, (Less is best here, so use either only the SSN or only the last name of the main borrower) such as time span, client code, etc. NOTE: To find all report types, such as customer service, be sure that or is selected under the Reports option.
3. Make sure you have selected a time span that matches when you pulled the report. (IF date computer. your of corner right lower the in time over mouse putting by that check can You reports. any see not might you correct is computer on)
4. Select Submit.
5. Click on the applicant name hyperlink to view a specific report on the list.

NOTE: To change the Report List sort order, click on the column header to be sorted by. For example, to sort by Social Security number, click on SSN (in the green bar). One click will sort in ascending order. Two clicks will sort in descending order. This feature is not available in Netscape.

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1. View the report.
2. Click on the hyperlink of the item that requires customer service. For Example, to order a trade line update, select the creditor name hyperlink.
3. In the window that appears, select what needs to be verified from the list of options provided. Enter any pertinent information, such as a full account number, in the Additional Instructions field.
4. Select Submit if there is no additional information needed for the request.
5. Select More Verification Items if there are additional Customer Service requests needed on this report. This will take you back to the report where you can add more customer service items by clicking on the hyperlink of the next item to be verified.
6. Select Finish when all customer service items have been requested.
7. Verify the information on the Contact Information screen, which is populated using your Operator Code information.
8. Select Next to send the request. At this time, the customer service request is automatically transferred to your Kroll Factual Data branch for processing.
9. Select OK to close the last window.
10. A customer service Report ID is automatically generated as soon as the 1st customer request is made on a Bureau Express report. Use the Report List to view the customer service report.

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Printing a Report

1. From the Report List, click on the printer icon next to the applicant name.

NOTE: the printer icon shows on the Report List ONLY if your Operator Preferences are setup for QuickPrint.

2. If you are already viewing a report, either after selecting Order & View Report, or by selecting the applicant name on the Report List, place your cursor anywhere within a white section of the report and left click one time. (This will not make any noticeable change. It is just to let Windows know you are wishing to print the report window and not the Services Window to the left.) Hold down your Control Key on the Keyboard and hit the “P” key or go to file and print.
3. NOTE: Print Preview does not work for showing you what will be printed. Do not change your print settings, just click on the OK button at the bottom of the print box.

a. Verify the printer settings (i.e. it's being sent to the correct printer, the correct paper size is selected, etc).
b. Select OK to print the report.

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NOTE: In order to view the detailed billing online, your Operator Code must be setup to Access Online Billing.

1. Select Billing Reports from the middle of the Operator Functions screen. (To get to the Operator Functions screen, select one of the product names, Bureau Express, Resident Screening, or Employment Screening, after logging into the .com software.)

click on Tip Sheet to view all options for viewing/printing billing reports. Or click here : https://widow1.factualdata.com/footing/iReceivables/on-line-training-new-version.pdf

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Ordering A Report Through the Website:
*NOTE if you have a pop up or add blocker on your system you will need to disable it before proceeding. If you are unable to disable your pop up blocker then you can work around it by un-checking the Order and View box and making sure the Print Report box has no checks. After you hit order then go to Operator Functions at the top and click on Report List. You will find your report in there.

1. Log into our web-based software.
2. Select one of the product names (Bureau Express, Resident Screening, or Employment Screening), which will take you to the Operator Functions screen.
3. Select Request New Reports.
4. Enter the applicant's name, address, social security number and if desired the Date Of Birth.

NOTE: Depending on your certificate and your operator setup, you may receive a list of client codes to choose from before seeing the applicant login screen. If so, select the appropriate client code from the list provided.

5. Select which repositories should be pulled, if different than the default selections.
6. Select whether or not to include a FICO score, Fraud Search or Bankruptcy score with the repository selection.
7. Select any TruAlert Product if needed.
8. Select an Ancillary Products (Automated Property Valuation), if required, and input the appropriate information.
9. Select Next to proceed with the order.
10. Review the information on the Summary screen. If any information is incorrect, click on one of the hyperlinks (or the Previous button at the bottom of the screen) to return to the previous page to make the necessary corrections.
11. If the information on the Summary screen is correct, choose one of the order options: Order and View Report, Order and Print Report or Order and Don't View Report.

a. Order and View Report will open a new screen with a box at the top which says" Below Are Your Pending Reports" and "BX Pending xxx-xx-xxxx" (the applicant's social security number and name will appear).

i. As soon as "BX Pending xxx-xx-xxxx" changes to "*click here to display Credit Report", the report is ready to be viewed.

ii. Click the “Click Here” text in the Pending reports box to view the report.

NOTE: The Pending reports box will stay at the top of your screen until all the listed reports are viewed or until the browser window is closed and you log into the software again.

b. Order and Print Report will open a new login screen and automatically print the previously ordered report.

NOTE: your Operator code must be setup for Quick Print for this option to work.

c. Order and Don't View Report will open a new input screen but it won't give the option to print or view the report. Reports ordered using this option may be viewed or printed from the Report List.

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You can remove either borrower or co-borrower at no cost and still have a report that will work through the Automated Underwriting programs. (If you call and have our Customer Service do this for you it will cost and the report will NOT be one that can be used in Automated Underwriting.)

a. You will need to view the report through the .com site and not through your Loan Origination Software. (See above for Viewing Previously Pulled Reports.)

b. Once you have the report in front of you; look to the left hand side where you will see a blue area. Look under the Services area and click on Remove Applicant; then click on Order. This will generate a new Report ID that can then be used in both in the LOS or Automated Underwriting systems. (If you do not have the Add Remove Applicant option you probably have done a Customer Service request on the report already. Please call Technical Support to learn about your options.)

1. You can Add Co-Borrower (not Borrower) to a report without hitting the original borrowers’ credit again. This will only hit the Co-Borrowers Bureaus and will charge for the Co-Borrowers report. Again this is a report that can be used through the Automated Underwriting system which will not be the case if our Customer Service does it. Any time they touch a report it has to change the report ID in a way that shows that it has been touched.
2. You will need to view the report through the .com site and not through your Loan Origination Software. (See above for Viewing Previously Pulled Reports.)
3. Once you have the report in front of you; look to the left hand side where you will see a blue area. Look under the Services area and click on Add Co-Applicant; then click on Order. This will generate a new Report ID that can then be used in both in the LOS or Automated Underwriting systems. (If you do not have the Add Co-Applicant option you probably have done a Customer Service request on the report already. Please call Technical Support to learn about your options.)

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If you are doing a streamline report then you can pull the normal credit report through our website or your LOS.

1. You will need to view the report through the .com site and not through your Loan Origination Software. (See above for Viewing Previously Pulled Reports.)
2. Once you have the report in front of you; then click in the Services area on the left hand side and select Mortgage Rating. There is NO Cost for this service but it will generate a Customer Service Report that does not go through the Automated Underwriting System.
3. You will now have a list of mortgages only. You choose the mortgages you wish to show on the report by making sure they have a check mark next to them. Click next.
4. This will generate a new report that only has the mortgage showing. (Note that once you have done this process you can not add any Bureaus to that report with out contacting Customer Service.) You will also have the ability to change the report back at no cost by clicking on Mortgage Rating again and checking the box above the next button that says Click Here to Turn Mortgage Rating off.

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Adding Tradelines, Verifying Addresses or Employment Verifications.

1. 1.You will need to view the report through the .com site and not through your Loan Origination Software. (See above for Viewing Previously Pulled Reports.)
2. While viewing the report on screen, select the Add Data hyperlink. (The Add Data hyperlink can be found on the left-hand side of the screen under the Services section. This section is only available on reports viewed from the factualdata.com site).
3. When you click on Add Data, a small box appears with your contact information and three options: Add a Trade Line, Add Address Verification, and Add Employment Verification. Verify your information and select the appropriate option.
4. You will need to put in the Account Name (If you are using a landlord for a trade line then put in the name of the apartment complex or the name of the landlord.) Then either the address or the phone number of the Account, and an Account Number (or the word none if it does not apply)
5. In the Additional Instructions field, enter all pertinent information (such as need 12 month credit history to show on report or any other things you need to make sure show for this trade line) for the verification request. Click on Submit. This process sends your request to your Kroll Factual Data processing office for completion.
6. If you need to add another Trade Line then please close the credit report. Go back into your report list. Make sure you have reports set to ALL and you search by either last name only or SSN only. When you see your applicants name highlighted in a green shade (for most computers) and you see (CS) under Tracking, click on that report and repeat the process for adding your Data. You will not need to close the report again to add the rest of your data as you will be in the right report to add all the rest of your data needed.  In most instances, the customer service must be completed within 4 hours or it's free!

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Logging In to the Website

Q: I'm trying to log in but it's not asking for my user name and password. Instead, it's asking for my first and last name and then for my office code, client code, and password.
A: This happens when you lose your certificate, which is stored on your computer as a cookie. Cookies may be deleted automatically by some virus protection software, or manually by deleting or clearing cookies. Look in your browser window Favorites list. Do you have Kroll Factual Data Login as a favorite? If so, click on this and you will be taken to the log in screen. If not, you will need to download a new certificate.

For instructions on how to download a new certificate, CLICK HERE.

Q: After I entered my user name and password, I get a red box that says, "NO VERIFICATION; YOUR USER NAME AND/OR PASSWORD HAS NOT BEEN VERIFIED".
A: You will receive this message if you've entered an invalid user name and/or password. Most often, it's caused by a typographical error when entering the password. Try going to the top of your IE browser, click on TOOLS> INTERNET OPTIONS> and in the Temporary Internet Files click on SETTINGS and put the dot in Every Visit to the Page. Click OK and OK and try typing in your password again. If you still get the error you will need to call us as we are not allowed for security reasons to give out Passwords via Email.

Q: I received an error that says, "UNABLE TO RETRIEVE A MACHINE CODE FOR THAT OFFICE CODE/CLIENT CODE COMBINATION".
A: This error occurs when incorrect information is entered when attempting to download a certificate. Typically, this is caused by entering an incorrect password (or again, from a typographical error when entering the client code or password). You will have to call us to verify the correct information as we are not allowed to give this information out via email for security reasons.

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Printing

Q: I printed the report but the information appears to run off the bottom of one page and onto the next. There are uneven page breaks.
A: Note that there is no information missing from your report, only that the page breaks are uneven. This is actually a well-documented problem with Microsoft Internet Explorer and happens on many web sites. Unfortunately there is not much to be done to fix it. We do not recommend that you Netscape, Mozilla, or AOL as these do not have full functionality with our system. They also have issues with many of the different Interface systems.

Q: My printed reports don't have gray shading on adverse trade lines.
A: From the menu at the top of your browser window (File, Edit, View, Favorites, Tools, and Help), select Tools. From the drop-down list, select Internet Options. This will open a window with several tabs - select the Advanced tab. Scroll down to the Printing settings section. There is only one line under Printing, which is "Print all background colors and images". For shading to appear on a printed report, this option must be selected (there should be a check mark next to it).

Q: My printed reports don't have creditor names on the trade lines.
A: Look for the box called Report ID toward the top, right corner of your printed report. There should be a number in this box, similar to 20610BX00000000. If you don't see a number in the Report ID box, this means your printer is not printing any information that appears blue on the web page. Normally, this is caused by your computer thinking it's printing to a color printer but it's not, or if your color printer is out of blue ink. Our recommendation is to change your default printer settings to print black and white or grayscale.

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Q: I am trying to order Customer Service on a report but it nothing happens when I click on a trade line.
A: Is the trade line (creditor name) text underlined and in blue on the report you're viewing? If not, that means customer service has already been requested on this report or that you are not authorized to run Customer Service Reports. To request additional customer service items, you'll need to use the Customer Service Report ID. Use the Report List to find the customer service report. If you are not authorized you will need to talk to your software admin person.

Q: How do I order Online Customer Service?
A: While viewing the report on screen, click on the hyperlink of the item to be verified (anything that is blue and underlined). This will open a smaller, window with a list of verification options (i.e. Current Balance, Account History, etc). Select the necessary verification option(s) and click on Submit. The next box has two choices: Finish or More Verification Items. Select whichever is appropriate. The More Verification Items option will take you back to the report. To request more customer service, select another hyperlink. Once you've chosen all necessary hyperlinks, select Finish. You will then be asked to verify your contact information in case we need to contact you or the applicant to complete your request. You will then click next and this process sends your request to your Kroll Factual Data processing office for completion. In most instances, the customer service must be completed within 4 hours or it's free!

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Q: I can not open PDF Documents on the web?
A: You must have the Adobe Acrobat Reader which can be downloaded for free at http://www.adobe.com/products/acrobat/readstep2.html. Just follow the download instructions from the Adobe web site. When the pop up box shows up select the open from current location option and follow the install instructions.


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FICO scores

Q: How do I add a FICO score to the report if it didn't pull the first time?
A: While viewing the report from the Factual Data site on screen, look for the list of hyperlinks on the left-hand side. Under the Services section, select Add Bureau. This will open a small window containing several options for adding a bureau. Select Add/Modify (depending if you have hit the bureau already or not) on the repository files that need the FICO score added and put a check mark in the FICO Score box. Once you've selected the required FICO score, click on Order. The report will refresh on your screen and will now include the Fico scores you were missing.

NOTE: If a FICO score was not requested on the initial request and is added using the above procedure, it will force the repository to be pulled again, which will result in additional bureau charge.

NOTE: If you are using an LOS like Genesis, Encompass, or Contour, and you did not get any FICO’s on a 3 Bureau pull please go back to order new and be sure to check the FICO box in the upper right corner of the request credit screen.

Q: I ordered a report and did not get FICO scores. In the File Variations section it says NO HIT/NO RECORD
A: This means the selected repository has no information on your applicant, and therefore, you will not receive a score on this applicant from this repository. Sometimes this will happen if the clients Name, SSN or Address are spelled/typed wrong or if they have not lived at the address given long enough.

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Getting new scores in less then 30 days from your last report

Q. How do I get new scores in less then 30 days from my last report?
A. You would need to first generate a second report so that if you do not like this report as well as your original you will still have that original available to you to use. If you do this process to an original report it will over write all information and will not be able to be retrieved. Pull up the new credit report (It should have zero charges or minimal charges; this would indicate the Bureau were not hit.) Check the File Variations (just below your applicants address generally) to make sure that it has the old date for hitting the Bureaus. Then on the left hand side of the report under Services click on Add Bureau. You will see the bureaus listed. You want to click on re-access in order to get a new report with the exact same FICO/Fraud request as on the original report. Then click on Order. This will give you a new report with the latest score for only those Bureaus you request while still using the same information/scores of those Bureaus you do not click on.

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Adding a fraud search to an existing report

Q: How do I get fraud searches to show on all of my reports?
A: The first thing you will need to have been set up with your Sales Representative to be able to pull Fraud Searches. If you are not sure if you have this ability then please call Sales Support at 1-800-929-3400 Option 1 extension 444. Once you have been set up to be able to pull Fraud Searches you will need to set your Client Preferences (You must be a system Administrator to do this.) so that the Fraud you wish to pull is checked. (do this if you are wishing to have Fraud pulled on EVERY REPORT) If you wish to order the fraud search on just one report and were already set up then you will need to pull the report up in the www.factualdata.com report list (see above if you do not know how to do this.) then on the left hand side under Services you will need to click on Add a Bureau. Decide which Bureau you wish to pull your Fraud from (Transunion = HAWK, Equifax = SafeScan, Experian = FACS and Fraud Shield) click on Modify, and then click on Fraud (do NOT un-check your FICO box) and then on Order. This will add a Fraud to an existing report; hits the Bureau’s and can POSSIBLY change that Bureau’s credit score. If you do not want the risk of a new score and your lender is willing you can order a new report in the www.krollfactualdata.com site and order just the one Bureau then click on Mortgage Rating (Make sure your Client Preferences is set to have Frauds show on Mortgage and CS reports) un-check any of the mortgages and you will end up with a report that has no trade lines or scores, only the fraud.

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Getting ready
Downloading a certificate
Adding or deleting operators/users
Viewing previously pulled reports
Ordering online customer service
Printing a report
Viewing online billing

Frequently Asked Questions

Logging in to the website
Printing
Online customer service
Opening PDF documents

Getting Ready

Before you use our website, you may need to make some adjustments to your browser settings. To do so, follow these steps:

1. Open your internet browser. (It is recommended that you use Internet Explorer.)
2. From the options along the top of browser window (File, Edit, View, Favorites, Tools, Help), select Tools.
3. Select Internet Options, which will open a small window with several tabs across the top.
4. Select the General tab.
5. In the Temporary Internet Files section, select Settings.
6. In the Check for newer versions of stored pages section, select Every visit to the page.
7. Select OK, which will take you back to Internet Options.
8. Again in the Temporary Internet Files section, select Delete Files.
9. Select OK to delete the temporary files. An hourglass will appear until the deletion process is complete, which may take a few minutes.
10. Select the Security tab.
11. Select Custom Level.
12. Scroll down to the Cookies section. Make sure both options under Cookies are set to Enable.
13. Select OK to save the Cookies changes.
14. Select OK to close the Internet Options window.

Note to AOL users: The browser that comes with AOL is a stripped-down version of Internet Explorer and may not work as well as the standard version. It is recommended that once you've connected to the internet using AOL, minimize the AOL browser (click on the third button from the right in the upper right-hand corner of the browser - it looks like a small underline). Once you've minimized the AOL browser, open your standard Internet Explorer and proceed as normal.
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1. Connect to the Internet.
2. Type www.krollfactualdata.com in the address field of the browser and hit Enter (or click on Go).
3. On the left hand side of the screen near the top select Access Information.
4. On the next screen select the hyperlink that says to Get Certificate.
5. Enter your First and Last name and select Continue.
6. Enter your Office Code (4 digit number), your Client Code (3-6 digits), and your Certificate password and select Get Certificate.

NOTE: If you don't know your Office Code, Client Code, and password, please contact your sales rep or call 800.929.3400

7. If the Office Code, Client Code and password are valid, you will get the "Installation Complete" screen. With your mouse, right-click on the blue KFD Login hyperlink.
8. From the popup box of options that appear, select Add to Favorites. This will add a link to your browser Favorites. If for some reason the certificate is deleted from your hard-drive, you can still access the Kroll Factual Data software using this link.
9. Select OK on the Add Favorites box.
10. Use this Favorites link when ever you need to access the Kroll Factual Data web-based software.

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How to Add/Delete an Operator

You must be listed in the Operator Preferences as a Software Administrator to add and delete operators.

NOTE: The user names for operators will show on the credit report and Must be unique.

1. Log into the favorite saved in Internet Explorer
2. Click on Bureau Express
3. Click on Operator Preferences
4. There is an option in the top left corner labeled Add Operator, please click on that.
5. Here you may enter in your operator’s information as you see fit.
6. Please be sure to verify the Operator Access Level you wish them to have. Starting from the bottom, each level has the access of the one below plus the abilities described for that access level.

a. Data Entry access: Can only Order reports. They can not work on reports or view reports that have already been ordered.

b. By Operator Code: only allows them to have access to reports they themselves pull through .com, Byte or Calyx Interface. If reports are pulled through any other Loan Origination Software (LOS) system you will need to give them either access to All Reports in order to be able to view/work on reports through the .com system or set their client code to the LOS client code number and give them access by client code. The third option is to make sure their user name for the LOS matches EXACTLY the user name they use to log into Kroll Factual Data.

c. By Client Code makes it so they can only see the reports under the Client Code you assign them in the Operator Client Code area to the right of the Operator Set Up screen. If you use an LOS system that requires it’s own code this is a good option especially if you have set it up so that each of your Loan Officers have their own Client Code AND that if a special code is needed for that LOS that you change their client code in Operator Preferences to match that code.

d. Access to All Reports: this option allows a person to see all reports under all codes you have access to. This is a good selection to use for Processors.

e. Software Administrator: can see all reports under all codes plus has the ability to adjust your Client Preferences, and Add and Delete Operators from the list. This is the person Kroll Factual Data will refer clients to who do not have a user name or access to a report.

7. Caution! Clicking on view and print reports only will make it so a person can NOT order any reports or do Customer Services. Also be aware that setting someone up for Data Entry Only will allow a person to only order reports not view or print.
8. If you have more then one client code then please verify what Client Code you wish to have as the default for that operator to pull their reports from.
9. It is a good idea to give each person the Quick Print Option so that they can print from the Report List directly.
10. When you are done click on submit operator changes in the bottom left hand corner of the screen. Your operator has been added.

To Delete an Operator

1. follow steps 1 through 3
2. click on the persons name you wish to delete. The Operator Set Up screen will show and at the bottom you will see Delete Operator as an option.
3. click on Delete Operator.

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1. From the Operator Functions screen, select Report List. (To get to the Operator Functions screen, select one of the product names, Bureau Express, Resident Screening, or Employment Screening, after logging into the .com software )
2. Enter the search parameters necessary, (Less is best here, so use either only the SSN or only the last name of the main borrower) such as time span, client code, etc. NOTE: To find all report types, such as customer service, be sure that or is selected under the Reports option.
3. Make sure you have selected a time span that matches when you pulled the report. (IF date computer. your of corner right lower the in time over mouse putting by that check can You reports. any see not might you correct is computer on)
4. Select Submit.
5. Click on the applicant name hyperlink to view a specific report on the list.

NOTE: To change the Report List sort order, click on the column header to be sorted by. For example, to sort by Social Security number, click on SSN (in the green bar). One click will sort in ascending order. Two clicks will sort in descending order. This feature is not available in Netscape.

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1. View the report.
2. Click on the hyperlink of the item that requires customer service. For Example, to order a trade line update, select the creditor name hyperlink.
3. In the window that appears, select what needs to be verified from the list of options provided. Enter any pertinent information, such as a full account number, in the Additional Instructions field.
4. Select Submit if there is no additional information needed for the request.
5. Select More Verification Items if there are additional Customer Service requests needed on this report. This will take you back to the report where you can add more customer service items by clicking on the hyperlink of the next item to be verified.
6. Select Finish when all customer service items have been requested.
7. Verify the information on the Contact Information screen, which is populated using your Operator Code information.
8. Select Next to send the request. At this time, the customer service request is automatically transferred to your Kroll Factual Data branch for processing.
9. Select OK to close the last window.
10. A customer service Report ID is automatically generated as soon as the 1st customer request is made on a Bureau Express report. Use the Report List to view the customer service report.

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Printing a Report

1. From the Report List, click on the printer icon next to the applicant name.

NOTE: the printer icon shows on the Report List ONLY if your Operator Preferences are setup for QuickPrint.

2. If you are already viewing a report, either after selecting Order & View Report, or by selecting the applicant name on the Report List, place your cursor anywhere within a white section of the report and left click one time. (This will not make any noticeable change. It is just to let Windows know you are wishing to print the report window and not the Services Window to the left.) Hold down your Control Key on the Keyboard and hit the “P” key or go to file and print.
3. NOTE: Print Preview does not work for showing you what will be printed. Do not change your print settings, just click on the OK button at the bottom of the print box.

a. Verify the printer settings (i.e. it's being sent to the correct printer, the correct paper size is selected, etc).
b. Select OK to print the report.

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NOTE: In order to view the detailed billing online, your Operator Code must be setup to Access Online Billing.

1. Select Billing Reports from the middle of the Operator Functions screen. (To get to the Operator Functions screen, select one of the product names, Bureau Express, Resident Screening, or Employment Screening, after logging into the .com software.)

click on Tip Sheet to view all options for viewing/printing billing reports. Or click here : https://widow1.factualdata.com/footing/iReceivables/on-line-training-new-version.pdf

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Frequently Asked Questions

Logging In to the Website

Q: I'm trying to log in but it's not asking for my user name and password. Instead, it's asking for my first and last name and then for my office code, client code, and password.
A: This happens when you lose your certificate, which is stored on your computer as a cookie. Cookies may be deleted automatically by some virus protection software, or manually by deleting or clearing cookies. Look in your browser window Favorites list. Do you have Kroll Factual Data Login as a favorite? If so, click on this and you will be taken to the log in screen. If not, you will need to download a new certificate.

For instructions on how to download a new certificate, CLICK HERE.

Q: After I entered my user name and password, I get a red box that says, "NO VERIFICATION; YOUR USER NAME AND/OR PASSWORD HAS NOT BEEN VERIFIED".
A: You will receive this message if you've entered an invalid user name and/or password. Most often, it's caused by a typographical error when entering the password. Try going to the top of your IE browser, click on TOOLS> INTERNET OPTIONS> and in the Temporary Internet Files click on SETTINGS and put the dot in Every Visit to the Page. Click OK and OK and try typing in your password again. If you still get the error you will need to call us as we are not allowed for security reasons to give out Passwords via Email.

Q: I received an error that says, "UNABLE TO RETRIEVE A MACHINE CODE FOR THAT OFFICE CODE/CLIENT CODE COMBINATION".
A: This error occurs when incorrect information is entered when attempting to download a certificate. Typically, this is caused by entering an incorrect password (or again, from a typographical error when entering the client code or password). You will have to call us to verify the correct information as we are not allowed to give this information out via email for security reasons.

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Printing

Q: I printed the report but the information appears to run off the bottom of one page and onto the next. There are uneven page breaks.
A: Note that there is no information missing from your report, only that the page breaks are uneven. This is actually a well-documented problem with Microsoft Internet Explorer and happens on many web sites. Unfortunately there is not much to be done to fix it. We do not recommend that you Netscape, Mozilla, or AOL as these do not have full functionality with our system. They also have issues with many of the different Interface systems.

Q: My printed reports don't have gray shading on adverse trade lines.
A: From the menu at the top of your browser window (File, Edit, View, Favorites, Tools, and Help), select Tools. From the drop-down list, select Internet Options. This will open a window with several tabs - select the Advanced tab. Scroll down to the Printing settings section. There is only one line under Printing, which is "Print all background colors and images". For shading to appear on a printed report, this option must be selected (there should be a check mark next to it).

Q: My printed reports don't have creditor names on the trade lines.
A: Look for the box called Report ID toward the top, right corner of your printed report. There should be a number in this box, similar to 20610BX00000000. If you don't see a number in the Report ID box, this means your printer is not printing any information that appears blue on the web page. Normally, this is caused by your computer thinking it's printing to a color printer but it's not, or if your color printer is out of blue ink. Our recommendation is to change your default printer settings to print black and white or grayscale.

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Q: I am trying to order Customer Service on a report but it nothing happens when I click on a trade line.
A: Is the trade line (creditor name) text underlined and in blue on the report you're viewing? If not, that means customer service has already been requested on this report or that you are not authorized to run Customer Service Reports. To request additional customer service items, you'll need to use the Customer Service Report ID. Use the Report List to find the customer service report. If you are not authorized you will need to talk to your software admin person.

Q: How do I order Online Customer Service?
A: While viewing the report on screen, click on the hyperlink of the item to be verified (anything that is blue and underlined). This will open a smaller, window with a list of verification options (i.e. Current Balance, Account History, etc). Select the necessary verification option(s) and click on Submit. The next box has two choices: Finish or More Verification Items. Select whichever is appropriate. The More Verification Items option will take you back to the report. To request more customer service, select another hyperlink. Once you've chosen all necessary hyperlinks, select Finish. You will then be asked to verify your contact information in case we need to contact you or the applicant to complete your request. You will then click next and this process sends your request to your Kroll Factual Data processing office for completion. In most instances, the customer service must be completed within 4 hours or it's free!

[back to top]

Q: I can not open PDF Documents on the web?
A: You must have the Adobe Acrobat Reader which can be downloaded for free at http://www.adobe.com/products/acrobat/readstep2.html. Just follow the download instructions from the Adobe web site. When the pop up box shows up select the open from current location option and follow the install instructions.


[back to top]

Getting ready
Downloading a certificate
Adding or deleting operators/users
Viewing previously pulled reports
Ordering online customer service
Printing a report
Viewing online billing

Frequently Asked Questions

Logging in to the website
Printing
Online customer service
Opening PDF documents

Getting Ready

Before you use our website, you may need to make some adjustments to your browser settings. To do so, follow these steps:

1. Open your internet browser. (It is recommended that you use Internet Explorer.)
2. From the options along the top of browser window (File, Edit, View, Favorites, Tools, Help), select Tools.
3. Select Internet Options, which will open a small window with several tabs across the top.
4. Select the General tab.
5. In the Temporary Internet Files section, select Settings.
6. In the Check for newer versions of stored pages section, select Every visit to the page.
7. Select OK, which will take you back to Internet Options.
8. Again in the Temporary Internet Files section, select Delete Files.
9. Select OK to delete the temporary files. An hourglass will appear until the deletion process is complete, which may take a few minutes.
10. Select the Security tab.
11. Select Custom Level.
12. Scroll down to the Cookies section. Make sure both options under Cookies are set to Enable.
13. Select OK to save the Cookies changes.
14. Select OK to close the Internet Options window.

Note to AOL users: The browser that comes with AOL is a stripped-down version of Internet Explorer and may not work as well as the standard version. It is recommended that once you've connected to the internet using AOL, minimize the AOL browser (click on the third button from the right in the upper right-hand corner of the browser - it looks like a small underline). Once you've minimized the AOL browser, open your standard Internet Explorer and proceed as normal.
[back to top]

1. Connect to the Internet.
2. Type www.krollfactualdata.com in the address field of the browser and hit Enter (or click on Go).
3. On the left hand side of the screen near the top select Access Information.
4. On the next screen select the hyperlink that says to Get Certificate.
5. Enter your First and Last name and select Continue.
6. Enter your Office Code (4 digit number), your Client Code (3-6 digits), and your Certificate password and select Get Certificate.

NOTE: If you don't know your Office Code, Client Code, and password, please contact your sales rep or call 800.929.3400

7. If the Office Code, Client Code and password are valid, you will get the "Installation Complete" screen. With your mouse, right-click on the blue KFD Login hyperlink.
8. From the popup box of options that appear, select Add to Favorites. This will add a link to your browser Favorites. If for some reason the certificate is deleted from your hard-drive, you can still access the Kroll Factual Data software using this link.
9. Select OK on the Add Favorites box.
10. Use this Favorites link when ever you need to access the Kroll Factual Data web-based software.

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How to Add/Delete an Operator

You must be listed in the Operator Preferences as a Software Administrator to add and delete operators.

NOTE: The user names for operators will show on the credit report and Must be unique.

1. Log into the favorite saved in Internet Explorer
2. Click on Bureau Express
3. Click on Operator Preferences
4. There is an option in the top left corner labeled Add Operator, please click on that.
5. Here you may enter in your operator’s information as you see fit.
6. Please be sure to verify the Operator Access Level you wish them to have. Starting from the bottom, each level has the access of the one below plus the abilities described for that access level.

a. Data Entry access: Can only Order reports. They can not work on reports or view reports that have already been ordered.

b. By Operator Code: only allows them to have access to reports they themselves pull through .com, Byte or Calyx Interface. If reports are pulled through any other Loan Origination Software (LOS) system you will need to give them either access to All Reports in order to be able to view/work on reports through the .com system or set their client code to the LOS client code number and give them access by client code. The third option is to make sure their user name for the LOS matches EXACTLY the user name they use to log into Kroll Factual Data.

c. By Client Code makes it so they can only see the reports under the Client Code you assign them in the Operator Client Code area to the right of the Operator Set Up screen. If you use an LOS system that requires it’s own code this is a good option especially if you have set it up so that each of your Loan Officers have their own Client Code AND that if a special code is needed for that LOS that you change their client code in Operator Preferences to match that code.

d. Access to All Reports: this option allows a person to see all reports under all codes you have access to. This is a good selection to use for Processors.

e. Software Administrator: can see all reports under all codes plus has the ability to adjust your Client Preferences, and Add and Delete Operators from the list. This is the person Kroll Factual Data will refer clients to who do not have a user name or access to a report.

7. Caution! Clicking on view and print reports only will make it so a person can NOT order any reports or do Customer Services. Also be aware that setting someone up for Data Entry Only will allow a person to only order reports not view or print.
8. If you have more then one client code then please verify what Client Code you wish to have as the default for that operator to pull their reports from.
9. It is a good idea to give each person the Quick Print Option so that they can print from the Report List directly.
10. When you are done click on submit operator changes in the bottom left hand corner of the screen. Your operator has been added.

To Delete an Operator

1. follow steps 1 through 3
2. click on the persons name you wish to delete. The Operator Set Up screen will show and at the bottom you will see Delete Operator as an option.
3. click on Delete Operator.

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1. From the Operator Functions screen, select Report List. (To get to the Operator Functions screen, select one of the product names, Bureau Express, Resident Screening, or Employment Screening, after logging into the .com software )
2. Enter the search parameters necessary, (Less is best here, so use either only the SSN or only the last name of the main borrower) such as time span, client code, etc. NOTE: To find all report types, such as customer service, be sure that or is selected under the Reports option.
3. Make sure you have selected a time span that matches when you pulled the report. (IF date computer. your of corner right lower the in time over mouse putting by that check can You reports. any see not might you correct is computer on)
4. Select Submit.
5. Click on the applicant name hyperlink to view a specific report on the list.

NOTE: To change the Report List sort order, click on the column header to be sorted by. For example, to sort by Social Security number, click on SSN (in the green bar). One click will sort in ascending order. Two clicks will sort in descending order. This feature is not available in Netscape.

[back to top]

1. View the report.
2. Click on the hyperlink of the item that requires customer service. For Example, to order a trade line update, select the creditor name hyperlink.
3. In the window that appears, select what needs to be verified from the list of options provided. Enter any pertinent information, such as a full account number, in the Additional Instructions field.
4. Select Submit if there is no additional information needed for the request.
5. Select More Verification Items if there are additional Customer Service requests needed on this report. This will take you back to the report where you can add more customer service items by clicking on the hyperlink of the next item to be verified.
6. Select Finish when all customer service items have been requested.
7. Verify the information on the Contact Information screen, which is populated using your Operator Code information.
8. Select Next to send the request. At this time, the customer service request is automatically transferred to your Kroll Factual Data branch for processing.
9. Select OK to close the last window.
10. A customer service Report ID is automatically generated as soon as the 1st customer request is made on a Bureau Express report. Use the Report List to view the customer service report.

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Printing a Report

1. From the Report List, click on the printer icon next to the applicant name.

NOTE: the printer icon shows on the Report List ONLY if your Operator Preferences are setup for QuickPrint.

2. If you are already viewing a report, either after selecting Order & View Report, or by selecting the applicant name on the Report List, place your cursor anywhere within a white section of the report and left click one time. (This will not make any noticeable change. It is just to let Windows know you are wishing to print the report window and not the Services Window to the left.) Hold down your Control Key on the Keyboard and hit the “P” key or go to file and print.
3. NOTE: Print Preview does not work for showing you what will be printed. Do not change your print settings, just click on the OK button at the bottom of the print box.

a. Verify the printer settings (i.e. it's being sent to the correct printer, the correct paper size is selected, etc).
b. Select OK to print the report.

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NOTE: In order to view the detailed billing online, your Operator Code must be setup to Access Online Billing.

1. Select Billing Reports from the middle of the Operator Functions screen. (To get to the Operator Functions screen, select one of the product names, Bureau Express, Resident Screening, or Employment Screening, after logging into the .com software.)

click on Tip Sheet to view all options for viewing/printing billing reports. Or click here : https://widow1.factualdata.com/footing/iReceivables/on-line-training-new-version.pdf

[back to top]

Frequently Asked Questions

Logging In to the Website

Q: I'm trying to log in but it's not asking for my user name and password. Instead, it's asking for my first and last name and then for my office code, client code, and password.
A: This happens when you lose your certificate, which is stored on your computer as a cookie. Cookies may be deleted automatically by some virus protection software, or manually by deleting or clearing cookies. Look in your browser window Favorites list. Do you have Kroll Factual Data Login as a favorite? If so, click on this and you will be taken to the log in screen. If not, you will need to download a new certificate.

For instructions on how to download a new certificate, CLICK HERE.

Q: After I entered my user name and password, I get a red box that says, "NO VERIFICATION; YOUR USER NAME AND/OR PASSWORD HAS NOT BEEN VERIFIED".
A: You will receive this message if you've entered an invalid user name and/or password. Most often, it's caused by a typographical error when entering the password. Try going to the top of your IE browser, click on TOOLS> INTERNET OPTIONS> and in the Temporary Internet Files click on SETTINGS and put the dot in Every Visit to the Page. Click OK and OK and try typing in your password again. If you still get the error you will need to call us as we are not allowed for security reasons to give out Passwords via Email.

Q: I received an error that says, "UNABLE TO RETRIEVE A MACHINE CODE FOR THAT OFFICE CODE/CLIENT CODE COMBINATION".
A: This error occurs when incorrect information is entered when attempting to download a certificate. Typically, this is caused by entering an incorrect password (or again, from a typographical error when entering the client code or password). You will have to call us to verify the correct information as we are not allowed to give this information out via email for security reasons.

[back to top]

Printing

Q: I printed the report but the information appears to run off the bottom of one page and onto the next. There are uneven page breaks.
A: Note that there is no information missing from your report, only that the page breaks are uneven. This is actually a well-documented problem with Microsoft Internet Explorer and happens on many web sites. Unfortunately there is not much to be done to fix it. We do not recommend that you Netscape, Mozilla, or AOL as these do not have full functionality with our system. They also have issues with many of the different Interface systems.

Q: My printed reports don't have gray shading on adverse trade lines.
A: From the menu at the top of your browser window (File, Edit, View, Favorites, Tools, and Help), select Tools. From the drop-down list, select Internet Options. This will open a window with several tabs - select the Advanced tab. Scroll down to the Printing settings section. There is only one line under Printing, which is "Print all background colors and images". For shading to appear on a printed report, this option must be selected (there should be a check mark next to it).

Q: My printed reports don't have creditor names on the trade lines.
A: Look for the box called Report ID toward the top, right corner of your printed report. There should be a number in this box, similar to 20610BX00000000. If you don't see a number in the Report ID box, this means your printer is not printing any information that appears blue on the web page. Normally, this is caused by your computer thinking it's printing to a color printer but it's not, or if your color printer is out of blue ink. Our recommendation is to change your default printer settings to print black and white or grayscale.

[back to top]

Q: I am trying to order Customer Service on a report but it nothing happens when I click on a trade line.
A: Is the trade line (creditor name) text underlined and in blue on the report you're viewing? If not, that means customer service has already been requested on this report or that you are not authorized to run Customer Service Reports. To request additional customer service items, you'll need to use the Customer Service Report ID. Use the Report List to find the customer service report. If you are not authorized you will need to talk to your software admin person.

Q: How do I order Online Customer Service?
A: While viewing the report on screen, click on the hyperlink of the item to be verified (anything that is blue and underlined). This will open a smaller, window with a list of verification options (i.e. Current Balance, Account History, etc). Select the necessary verification option(s) and click on Submit. The next box has two choices: Finish or More Verification Items. Select whichever is appropriate. The More Verification Items option will take you back to the report. To request more customer service, select another hyperlink. Once you've chosen all necessary hyperlinks, select Finish. You will then be asked to verify your contact information in case we need to contact you or the applicant to complete your request. You will then click next and this process sends your request to your Kroll Factual Data processing office for completion. In most instances, the customer service must be completed within 4 hours or it's free!

[back to top]

Q: I can not open PDF Documents on the web?
A: You must have the Adobe Acrobat Reader which can be downloaded for free at http://www.adobe.com/products/acrobat/readstep2.html. Just follow the download instructions from the Adobe web site. When the pop up box shows up select the open from current location option and follow the install instructions.


[back to top]

Getting ready
Downloading a certificate
Adding or deleting operators/users
Viewing previously pulled reports
Ordering online customer service
Printing a report
Viewing online billing

Frequently Asked Questions

Logging in to the website
Printing
Online customer service
Opening PDF documents

Getting Ready

Before you use our website, you may need to make some adjustments to your browser settings. To do so, follow these steps:

1. Open your internet browser. (It is recommended that you use Internet Explorer.)
2. From the options along the top of browser window (File, Edit, View, Favorites, Tools, Help), select Tools.
3. Select Internet Options, which will open a small window with several tabs across the top.
4. Select the General tab.
5. In the Temporary Internet Files section, select Settings.
6. In the Check for newer versions of stored pages section, select Every visit to the page.
7. Select OK, which will take you back to Internet Options.
8. Again in the Temporary Internet Files section, select Delete Files.
9. Select OK to delete the temporary files. An hourglass will appear until the deletion process is complete, which may take a few minutes.
10. Select the Security tab.
11. Select Custom Level.
12. Scroll down to the Cookies section. Make sure both options under Cookies are set to Enable.
13. Select OK to save the Cookies changes.
14. Select OK to close the Internet Options window.

Note to AOL users: The browser that comes with AOL is a stripped-down version of Internet Explorer and may not work as well as the standard version. It is recommended that once you've connected to the internet using AOL, minimize the AOL browser (click on the third button from the right in the upper right-hand corner of the browser - it looks like a small underline). Once you've minimized the AOL browser, open your standard Internet Explorer and proceed as normal.
[back to top]

1. Connect to the Internet.
2. Type www.krollfactualdata.com in the address field of the browser and hit Enter (or click on Go).
3. On the left hand side of the screen near the top select Access Information.
4. On the next screen select the hyperlink that says to Get Certificate.
5. Enter your First and Last name and select Continue.
6. Enter your Office Code (4 digit number), your Client Code (3-6 digits), and your Certificate password and select Get Certificate.

NOTE: If you don't know your Office Code, Client Code, and password, please contact your sales rep or call 800.929.3400

7. If the Office Code, Client Code and password are valid, you will get the "Installation Complete" screen. With your mouse, right-click on the blue KFD Login hyperlink.
8. From the popup box of options that appear, select Add to Favorites. This will add a link to your browser Favorites. If for some reason the certificate is deleted from your hard-drive, you can still access the Kroll Factual Data software using this link.
9. Select OK on the Add Favorites box.
10. Use this Favorites link when ever you need to access the Kroll Factual Data web-based software.

[back to top]

How to Add/Delete an Operator

You must be listed in the Operator Preferences as a Software Administrator to add and delete operators.

NOTE: The user names for operators will show on the credit report and Must be unique.

1. Log into the favorite saved in Internet Explorer
2. Click on Bureau Express
3. Click on Operator Preferences
4. There is an option in the top left corner labeled Add Operator, please click on that.
5. Here you may enter in your operator’s information as you see fit.
6. Please be sure to verify the Operator Access Level you wish them to have. Starting from the bottom, each level has the access of the one below plus the abilities described for that access level.

a. Data Entry access: Can only Order reports. They can not work on reports or view reports that have already been ordered.

b. By Operator Code: only allows them to have access to reports they themselves pull through .com, Byte or Calyx Interface. If reports are pulled through any other Loan Origination Software (LOS) system you will need to give them either access to All Reports in order to be able to view/work on reports through the .com system or set their client code to the LOS client code number and give them access by client code. The third option is to make sure their user name for the LOS matches EXACTLY the user name they use to log into Kroll Factual Data.

c. By Client Code makes it so they can only see the reports under the Client Code you assign them in the Operator Client Code area to the right of the Operator Set Up screen. If you use an LOS system that requires it’s own code this is a good option especially if you have set it up so that each of your Loan Officers have their own Client Code AND that if a special code is needed for that LOS that you change their client code in Operator Preferences to match that code.

d. Access to All Reports: this option allows a person to see all reports under all codes you have access to. This is a good selection to use for Processors.

e. Software Administrator: can see all reports under all codes plus has the ability to adjust your Client Preferences, and Add and Delete Operators from the list. This is the person Kroll Factual Data will refer clients to who do not have a user name or access to a report.

7. Caution! Clicking on view and print reports only will make it so a person can NOT order any reports or do Customer Services. Also be aware that setting someone up for Data Entry Only will allow a person to only order reports not view or print.
8. If you have more then one client code then please verify what Client Code you wish to have as the default for that operator to pull their reports from.
9. It is a good idea to give each person the Quick Print Option so that they can print from the Report List directly.
10. When you are done click on submit operator changes in the bottom left hand corner of the screen. Your operator has been added.

To Delete an Operator

1. follow steps 1 through 3
2. click on the persons name you wish to delete. The Operator Set Up screen will show and at the bottom you will see Delete Operator as an option.
3. click on Delete Operator.

[back to top]

1. From the Operator Functions screen, select Report List. (To get to the Operator Functions screen, select one of the product names, Bureau Express, Resident Screening, or Employment Screening, after logging into the .com software )
2. Enter the search parameters necessary, (Less is best here, so use either only the SSN or only the last name of the main borrower) such as time span, client code, etc. NOTE: To find all report types, such as customer service, be sure that or is selected under the Reports option.
3. Make sure you have selected a time span that matches when you pulled the report. (IF date computer. your of corner right lower the in time over mouse putting by that check can You reports. any see not might you correct is computer on)
4. Select Submit.
5. Click on the applicant name hyperlink to view a specific report on the list.

NOTE: To change the Report List sort order, click on the column header to be sorted by. For example, to sort by Social Security number, click on SSN (in the green bar). One click will sort in ascending order. Two clicks will sort in descending order. This feature is not available in Netscape.

[back to top]

1. View the report.
2. Click on the hyperlink of the item that requires customer service. For Example, to order a trade line update, select the creditor name hyperlink.
3. In the window that appears, select what needs to be verified from the list of options provided. Enter any pertinent information, such as a full account number, in the Additional Instructions field.
4. Select Submit if there is no additional information needed for the request.
5. Select More Verification Items if there are additional Customer Service requests needed on this report. This will take you back to the report where you can add more customer service items by clicking on the hyperlink of the next item to be verified.
6. Select Finish when all customer service items have been requested.
7. Verify the information on the Contact Information screen, which is populated using your Operator Code information.
8. Select Next to send the request. At this time, the customer service request is automatically transferred to your Kroll Factual Data branch for processing.
9. Select OK to close the last window.
10. A customer service Report ID is automatically generated as soon as the 1st customer request is made on a Bureau Express report. Use the Report List to view the customer service report.

[back to top]

Printing a Report

1. From the Report List, click on the printer icon next to the applicant name.

NOTE: the printer icon shows on the Report List ONLY if your Operator Preferences are setup for QuickPrint.

2. If you are already viewing a report, either after selecting Order & View Report, or by selecting the applicant name on the Report List, place your cursor anywhere within a white section of the report and left click one time. (This will not make any noticeable change. It is just to let Windows know you are wishing to print the report window and not the Services Window to the left.) Hold down your Control Key on the Keyboard and hit the “P” key or go to file and print.
3. NOTE: Print Preview does not work for showing you what will be printed. Do not change your print settings, just click on the OK button at the bottom of the print box.

a. Verify the printer settings (i.e. it's being sent to the correct printer, the correct paper size is selected, etc).
b. Select OK to print the report.

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NOTE: In order to view the detailed billing online, your Operator Code must be setup to Access Online Billing.

1. Select Billing Reports from the middle of the Operator Functions screen. (To get to the Operator Functions screen, select one of the product names, Bureau Express, Resident Screening, or Employment Screening, after logging into the .com software.)

click on Tip Sheet to view all options for viewing/printing billing reports. Or click here : https://widow1.factualdata.com/footing/iReceivables/on-line-training-new-version.pdf

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Frequently Asked Questions

Logging In to the Website

Q: I'm trying to log in but it's not asking for my user name and password. Instead, it's asking for my first and last name and then for my office code, client code, and password.
A: This happens when you lose your certificate, which is stored on your computer as a cookie. Cookies may be deleted automatically by some virus protection software, or manually by deleting or clearing cookies. Look in your browser window Favorites list. Do you have Kroll Factual Data Login as a favorite? If so, click on this and you will be taken to the log in screen. If not, you will need to download a new certificate.

For instructions on how to download a new certificate, CLICK HERE.

Q: After I entered my user name and password, I get a red box that says, "NO VERIFICATION; YOUR USER NAME AND/OR PASSWORD HAS NOT BEEN VERIFIED".
A: You will receive this message if you've entered an invalid user name and/or password. Most often, it's caused by a typographical error when entering the password. Try going to the top of your IE browser, click on TOOLS> INTERNET OPTIONS> and in the Temporary Internet Files click on SETTINGS and put the dot in Every Visit to the Page. Click OK and OK and try typing in your password again. If you still get the error you will need to call us as we are not allowed for security reasons to give out Passwords via Email.

Q: I received an error that says, "UNABLE TO RETRIEVE A MACHINE CODE FOR THAT OFFICE CODE/CLIENT CODE COMBINATION".
A: This error occurs when incorrect information is entered when attempting to download a certificate. Typically, this is caused by entering an incorrect password (or again, from a typographical error when entering the client code or password). You will have to call us to verify the correct information as we are not allowed to give this information out via email for security reasons.

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Printing

Q: I printed the report but the information appears to run off the bottom of one page and onto the next. There are uneven page breaks.
A: Note that there is no information missing from your report, only that the page breaks are uneven. This is actually a well-documented problem with Microsoft Internet Explorer and happens on many web sites. Unfortunately there is not much to be done to fix it. We do not recommend that you Netscape, Mozilla, or AOL as these do not have full functionality with our system. They also have issues with many of the different Interface systems.

Q: My printed reports don't have gray shading on adverse trade lines.
A: From the menu at the top of your browser window (File, Edit, View, Favorites, Tools, and Help), select Tools. From the drop-down list, select Internet Options. This will open a window with several tabs - select the Advanced tab. Scroll down to the Printing settings section. There is only one line under Printing, which is "Print all background colors and images". For shading to appear on a printed report, this option must be selected (there should be a check mark next to it).

Q: My printed reports don't have creditor names on the trade lines.
A: Look for the box called Report ID toward the top, right corner of your printed report. There should be a number in this box, similar to 20610BX00000000. If you don't see a number in the Report ID box, this means your printer is not printing any information that appears blue on the web page. Normally, this is caused by your computer thinking it's printing to a color printer but it's not, or if your color printer is out of blue ink. Our recommendation is to change your default printer settings to print black and white or grayscale.

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Q: I am trying to order Customer Service on a report but it nothing happens when I click on a trade line.
A: Is the trade line (creditor name) text underlined and in blue on the report you're viewing? If not, that means customer service has already been requested on this report or that you are not authorized to run Customer Service Reports. To request additional customer service items, you'll need to use the Customer Service Report ID. Use the Report List to find the customer service report. If you are not authorized you will need to talk to your software admin person.

Q: How do I order Online Customer Service?
A: While viewing the report on screen, click on the hyperlink of the item to be verified (anything that is blue and underlined). This will open a smaller, window with a list of verification options (i.e. Current Balance, Account History, etc). Select the necessary verification option(s) and click on Submit. The next box has two choices: Finish or More Verification Items. Select whichever is appropriate. The More Verification Items option will take you back to the report. To request more customer service, select another hyperlink. Once you've chosen all necessary hyperlinks, select Finish. You will then be asked to verify your contact information in case we need to contact you or the applicant to complete your request. You will then click next and this process sends your request to your Kroll Factual Data processing office for completion. In most instances, the customer service must be completed within 4 hours or it's free!

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Q: I can not open PDF Documents on the web?
A: You must have the Adobe Acrobat Reader which can be downloaded for free at http://www.adobe.com/products/acrobat/readstep2.html. Just follow the download instructions from the Adobe web site. When the pop up box shows up select the open from current location option and follow the install instructions.


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Getting ready
Downloading a certificate
Adding or deleting operators/users
Viewing previously pulled reports
Ordering online customer service
Printing a report
Viewing online billing

Frequently Asked Questions

Logging in to the website
Printing
Online customer service
Opening PDF documents

Getting Ready

Before you use our website, you may need to make some adjustments to your browser settings. To do so, follow these steps:

1. Open your internet browser. (It is recommended that you use Internet Explorer.)
2. From the options along the top of browser window (File, Edit, View, Favorites, Tools, Help), select Tools.
3. Select Internet Options, which will open a small window with several tabs across the top.
4. Select the General tab.
5. In the Temporary Internet Files section, select Settings.
6. In the Check for newer versions of stored pages section, select Every visit to the page.
7. Select OK, which will take you back to Internet Options.
8. Again in the Temporary Internet Files section, select Delete Files.
9. Select OK to delete the temporary files. An hourglass will appear until the deletion process is complete, which may take a few minutes.
10. Select the Security tab.
11. Select Custom Level.
12. Scroll down to the Cookies section. Make sure both options under Cookies are set to Enable.
13. Select OK to save the Cookies changes.
14. Select OK to close the Internet Options window.

Note to AOL users: The browser that comes with AOL is a stripped-down version of Internet Explorer and may not work as well as the standard version. It is recommended that once you've connected to the internet using AOL, minimize the AOL browser (click on the third button from the right in the upper right-hand corner of the browser - it looks like a small underline). Once you've minimized the AOL browser, open your standard Internet Explorer and proceed as normal.
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1. Connect to the Internet.
2. Type www.krollfactualdata.com in the address field of the browser and hit Enter (or click on Go).
3. On the left hand side of the screen near the top select Access Information.
4. On the next screen select the hyperlink that says to Get Certificate.
5. Enter your First and Last name and select Continue.
6. Enter your Office Code (4 digit number), your Client Code (3-6 digits), and your Certificate password and select Get Certificate.

NOTE: If you don't know your Office Code, Client Code, and password, please contact your sales rep or call 800.929.3400

7. If the Office Code, Client Code and password are valid, you will get the "Installation Complete" screen. With your mouse, right-click on the blue KFD Login hyperlink.
8. From the popup box of options that appear, select Add to Favorites. This will add a link to your browser Favorites. If for some reason the certificate is deleted from your hard-drive, you can still access the Kroll Factual Data software using this link.
9. Select OK on the Add Favorites box.
10. Use this Favorites link when ever you need to access the Kroll Factual Data web-based software.

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How to Add/Delete an Operator

You must be listed in the Operator Preferences as a Software Administrator to add and delete operators.

NOTE: The user names for operators will show on the credit report and Must be unique.

1. Log into the favorite saved in Internet Explorer
2. Click on Bureau Express
3. Click on Operator Preferences
4. There is an option in the top left corner labeled Add Operator, please click on that.
5. Here you may enter in your operator’s information as you see fit.
6. Please be sure to verify the Operator Access Level you wish them to have. Starting from the bottom, each level has the access of the one below plus the abilities described for that access level.

a. Data Entry access: Can only Order reports. They can not work on reports or view reports that have already been ordered.

b. By Operator Code: only allows them to have access to reports they themselves pull through .com, Byte or Calyx Interface. If reports are pulled through any other Loan Origination Software (LOS) system you will need to give them either access to All Reports in order to be able to view/work on reports through the .com system or set their client code to the LOS client code number and give them access by client code. The third option is to make sure their user name for the LOS matches EXACTLY the user name they use to log into Kroll Factual Data.

c. By Client Code makes it so they can only see the reports under the Client Code you assign them in the Operator Client Code area to the right of the Operator Set Up screen. If you use an LOS system that requires it’s own code this is a good option especially if you have set it up so that each of your Loan Officers have their own Client Code AND that if a special code is needed for that LOS that you change their client code in Operator Preferences to match that code.

d. Access to All Reports: this option allows a person to see all reports under all codes you have access to. This is a good selection to use for Processors.

e. Software Administrator: can see all reports under all codes plus has the ability to adjust your Client Preferences, and Add and Delete Operators from the list. This is the person Kroll Factual Data will refer clients to who do not have a user name or access to a report.

7. Caution! Clicking on view and print reports only will make it so a person can NOT order any reports or do Customer Services. Also be aware that setting someone up for Data Entry Only will allow a person to only order reports not view or print.
8. If you have more then one client code then please verify what Client Code you wish to have as the default for that operator to pull their reports from.
9. It is a good idea to give each person the Quick Print Option so that they can print from the Report List directly.
10. When you are done click on submit operator changes in the bottom left hand corner of the screen. Your operator has been added.

To Delete an Operator

1. follow steps 1 through 3
2. click on the persons name you wish to delete. The Operator Set Up screen will show and at the bottom you will see Delete Operator as an option.
3. click on Delete Operator.

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1. From the Operator Functions screen, select Report List. (To get to the Operator Functions screen, select one of the product names, Bureau Express, Resident Screening, or Employment Screening, after logging into the .com software )
2. Enter the search parameters necessary, (Less is best here, so use either only the SSN or only the last name of the main borrower) such as time span, client code, etc. NOTE: To find all report types, such as customer service, be sure that or is selected under the Reports option.
3. Make sure you have selected a time span that matches when you pulled the report. (IF date computer. your of corner right lower the in time over mouse putting by that check can You reports. any see not might you correct is computer on)
4. Select Submit.
5. Click on the applicant name hyperlink to view a specific report on the list.

NOTE: To change the Report List sort order, click on the column header to be sorted by. For example, to sort by Social Security number, click on SSN (in the green bar). One click will sort in ascending order. Two clicks will sort in descending order. This feature is not available in Netscape.

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1. View the report.
2. Click on the hyperlink of the item that requires customer service. For Example, to order a trade line update, select the creditor name hyperlink.
3. In the window that appears, select what needs to be verified from the list of options provided. Enter any pertinent information, such as a full account number, in the Additional Instructions field.
4. Select Submit if there is no additional information needed for the request.
5. Select More Verification Items if there are additional Customer Service requests needed on this report. This will take you back to the report where you can add more customer service items by clicking on the hyperlink of the next item to be verified.
6. Select Finish when all customer service items have been requested.
7. Verify the information on the Contact Information screen, which is populated using your Operator Code information.
8. Select Next to send the request. At this time, the customer service request is automatically transferred to your Kroll Factual Data branch for processing.
9. Select OK to close the last window.
10. A customer service Report ID is automatically generated as soon as the 1st customer request is made on a Bureau Express report. Use the Report List to view the customer service report.

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Printing a Report

1. From the Report List, click on the printer icon next to the applicant name.

NOTE: the printer icon shows on the Report List ONLY if your Operator Preferences are setup for QuickPrint.

2. If you are already viewing a report, either after selecting Order & View Report, or by selecting the applicant name on the Report List, place your cursor anywhere within a white section of the report and left click one time. (This will not make any noticeable change. It is just to let Windows know you are wishing to print the report window and not the Services Window to the left.) Hold down your Control Key on the Keyboard and hit the “P” key or go to file and print.
3. NOTE: Print Preview does not work for showing you what will be printed. Do not change your print settings, just click on the OK button at the bottom of the print box.

a. Verify the printer settings (i.e. it's being sent to the correct printer, the correct paper size is selected, etc).
b. Select OK to print the report.

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NOTE: In order to view the detailed billing online, your Operator Code must be setup to Access Online Billing.

1. Select Billing Reports from the middle of the Operator Functions screen. (To get to the Operator Functions screen, select one of the product names, Bureau Express, Resident Screening, or Employment Screening, after logging into the .com software.)

click on Tip Sheet to view all options for viewing/printing billing reports. Or click here : https://widow1.factualdata.com/footing/iReceivables/on-line-training-new-version.pdf

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Frequently Asked Questions

Logging In to the Website

Q: I'm trying to log in but it's not asking for my user name and password. Instead, it's asking for my first and last name and then for my office code, client code, and password.
A: This happens when you lose your certificate, which is stored on your computer as a cookie. Cookies may be deleted automatically by some virus protection software, or manually by deleting or clearing cookies. Look in your browser window Favorites list. Do you have Kroll Factual Data Login as a favorite? If so, click on this and you will be taken to the log in screen. If not, you will need to download a new certificate.

For instructions on how to download a new certificate, CLICK HERE.

Q: After I entered my user name and password, I get a red box that says, "NO VERIFICATION; YOUR USER NAME AND/OR PASSWORD HAS NOT BEEN VERIFIED".
A: You will receive this message if you've entered an invalid user name and/or password. Most often, it's caused by a typographical error when entering the password. Try going to the top of your IE browser, click on TOOLS> INTERNET OPTIONS> and in the Temporary Internet Files click on SETTINGS and put the dot in Every Visit to the Page. Click OK and OK and try typing in your password again. If you still get the error you will need to call us as we are not allowed for security reasons to give out Passwords via Email.

Q: I received an error that says, "UNABLE TO RETRIEVE A MACHINE CODE FOR THAT OFFICE CODE/CLIENT CODE COMBINATION".
A: This error occurs when incorrect information is entered when attempting to download a certificate. Typically, this is caused by entering an incorrect password (or again, from a typographical error when entering the client code or password). You will have to call us to verify the correct information as we are not allowed to give this information out via email for security reasons.

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Printing

Q: I printed the report but the information appears to run off the bottom of one page and onto the next. There are uneven page breaks.
A: Note that there is no information missing from your report, only that the page breaks are uneven. This is actually a well-documented problem with Microsoft Internet Explorer and happens on many web sites. Unfortunately there is not much to be done to fix it. We do not recommend that you Netscape, Mozilla, or AOL as these do not have full functionality with our system. They also have issues with many of the different Interface systems.

Q: My printed reports don't have gray shading on adverse trade lines.
A: From the menu at the top of your browser window (File, Edit, View, Favorites, Tools, and Help), select Tools. From the drop-down list, select Internet Options. This will open a window with several tabs - select the Advanced tab. Scroll down to the Printing settings section. There is only one line under Printing, which is "Print all background colors and images". For shading to appear on a printed report, this option must be selected (there should be a check mark next to it).

Q: My printed reports don't have creditor names on the trade lines.
A: Look for the box called Report ID toward the top, right corner of your printed report. There should be a number in this box, similar to 20610BX00000000. If you don't see a number in the Report ID box, this means your printer is not printing any information that appears blue on the web page. Normally, this is caused by your computer thinking it's printing to a color printer but it's not, or if your color printer is out of blue ink. Our recommendation is to change your default printer settings to print black and white or grayscale.

[back to top]

Q: I am trying to order Customer Service on a report but it nothing happens when I click on a trade line.
A: Is the trade line (creditor name) text underlined and in blue on the report you're viewing? If not, that means customer service has already been requested on this report or that you are not authorized to run Customer Service Reports. To request additional customer service items, you'll need to use the Customer Service Report ID. Use the Report List to find the customer service report. If you are not authorized you will need to talk to your software admin person.

Q: How do I order Online Customer Service?
A: While viewing the report on screen, click on the hyperlink of the item to be verified (anything that is blue and underlined). This will open a smaller, window with a list of verification options (i.e. Current Balance, Account History, etc). Select the necessary verification option(s) and click on Submit. The next box has two choices: Finish or More Verification Items. Select whichever is appropriate. The More Verification Items option will take you back to the report. To request more customer service, select another hyperlink. Once you've chosen all necessary hyperlinks, select Finish. You will then be asked to verify your contact information in case we need to contact you or the applicant to complete your request. You will then click next and this process sends your request to your Kroll Factual Data processing office for completion. In most instances, the customer service must be completed within 4 hours or it's free!

[back to top]

Q: I can not open PDF Documents on the web?
A: You must have the Adobe Acrobat Reader which can be downloaded for free at http://www.adobe.com/products/acrobat/readstep2.html. Just follow the download instructions from the Adobe web site. When the pop up box shows up select the open from current location option and follow the install instructions.


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