Credit Reports
Merged Credit Reports from Factual Data provide insight into your applicant’s credit history to help you determine appropriate loan options. Access data from one, two, or all three credit repositories (TransUnion®, Experian®, and Equifax®) digitally. Enjoy easy-to-read reports with useful upgrade options to streamline processing and underwriting.
Why Factual Data
Merged Credit Reports from Factual Data can be accessed using our modern online platform, or from a variety of LOS and POS options. Learn about the Factual Data Enterprise Platform, where customers can start ordering credit reports.
Our credit reports are delivered in a clear and easy-to-read format. Each report contains convenient summaries detailing FICO® scores, debt, late payments, and fraud alerts.
Factual Data representatives are available 5 days a week to assist lenders with any questions or concerns that may arise when ordering a credit report.
Options
Create an Automated Workflow on the Enterprise Platform: Design a unique automated workflow based on credit attributes, identity validation, and other business rules. Configure the automated process to either stop or provide a warning when the credit profile in question does not adhere to your standard built into your workflow.
Add Innovis® Data to Your Merged Report: Factual Data also offers Innovis data as an additional source in your merged report, giving you a more complete picture of your applicant's credit profile. Use Innovis Early View to identify potential risk before you pull the full merge.
Update the Report with Rescore: Avoid waiting longer than necessary for the credit bureau to update your borrower’s credit data by submitting a request for a Rescore. Our credit specialists will work with you to determine what documents are needed.
Order a Credit Supplement: Credit supplements are useful when you need an out-of-cycle update about a tradeline on an applicant’s credit report. Updating balances helps to ensure the details you review are as fresh as possible.
Get More Information
Factual Data has been serving the credit data needs of the mortgage lending community for decades. With a deep understanding of the needs of mortgage professionals, we provide detailed and useful Merged Credit Reports for residential mortgage loans.
Getting Started
Provide your contact information and a Factual Data representative will be in touch to schedule a no-pressure chat or informative demo session.