Credit Reporting

Merged credit reports provide a real-time representation of a borrower’s credit history in an easy-to-read format. Order from our secure site or from a wide range of integrated loan origination (LOS) or point of sale (POS) platforms.

  • Proprietary Credit Reporting Platform – In addition to having a direct connection to Fannie Mae® and Freddie Mac®, Factual Data owns and operates our technology platform, enabling us to be nimble and responsive.
  • Automate Workflows by implementing your business rules and introduce automation into the consumer application workflow.
  • Trended credit data from TransUnion®, Experian® and Equifax® allows a clear view of borrower payment habits for up to 24 months, giving a more in-depth picture of an applicant’s history
  • Convenient summaries for efficient reviews with an easy-to-read overview detailing FICO® scores, debt summary, late payment history, and fraud alerts
  • Credit Supplements can be ordered directly from the Factual Data mortgage credit report in many loan origination systems (LOS) or from our secure, web-based platform.
Credit Score Analysis and Rescoring

Factual Data offers CreditXpert® and Rescore solutions to help lenders close loans fast. Simple yet effective solutions to improve a borrower’s credit score can be achieved by making recommended adjustments.

  • Instant Recommendations: CreditXpert® Wayfinder provides custom plans for borrowers to achieve their target scores.
  • Flexible Scenarios: CreditXpert® What-if Simulator allows lenders to review several likely outcomes to determine a plan that is right for the borrower
  • Prompt Adjustments: Rescores can be processed in as little as three days.