Obtain Reliable Lien and Civil Judgment Data to Understand
Lending Risk

Factual Data includes the RiskView Liens & Judgments Report from LexisNexis® Risk Solutions as part of our comprehensive mortgage credit reporting solutions.

Fully integrated solution means your loan processing team makes no changes to processes, procedures, or workflow.

Close the Lending Risk Gap

As of July 1, 2017, the three Nationwide Credit Reporting Agencies began removing liens and judgements on credit reports. Approximately 50% of tax liens data and 96% of civil judgments data will no longer appear on credit reports.

Without this essential piece of the risk-assessment puzzle, lenders face potential disruption of the loan process:

  • Removal of lien and judgment data can elevate risk
  • Loan underwriters still require liens and judgments to be cleared before loans are closed
  • Discovery of liens or judgments at the end of the loan process results in a poor consumer experience and can impact loan closings

How do you replace this critical information?

Accurate Liens and Judgments DataUp Front, Where You Need It

Factual Data is pleased to align with industry leader LexisNexis Risk Solutions, the premier provider of liens and judgments data, to fill the liens and judgments information gap.

The RiskView Liens & Judgments Report:

  • Matches lien and judgment data to the consumer with greater than 99% reliability
  • LexisNexis Risk Solutions has also revised its public record gathering processes to help ensure that it is providing comprehensive, current and correct data to lenders
  • Provides lien and judgment data at the beginning of the loan process—not the end
Most important, these records are fully integrated into all our current credit reporting solutions. 


Close with Confidence

Keep lien and judgment data where you need it—in the credit report—so you can deal with it proactively and make informed, fact-based decisions.

Good decisions begin with reliable data. Learn more.

Fill out the form on the top right to start reading the LexisNexis white paper Linking Liens and Civil Judgments Data.

LexisNexis is a registered trademark of RELX Inc., used by permission. RiskView is a trademark of LexisNexis Risk Solutions FL Inc.

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