Credit Reports

Credit Reports: Mortgage, Auto, Consumer

Reformatted, easy to read, credit reports from one-to-three of the major bureaus (Experian, Equifax and TransUnion)

  • Ability to add or remove spouse and/or bureaus from report
  • OFAC – Office of Foreign Assets Control – name matching service
  • Current Creditor Information available
  • Creditor Phone Numbers on each report
  • Military Lending Act (MLA) identifier (available October 1, 2016)

Other Forms and Reports

  • Score Disclosure – a notice to the applicant that you have pulled their credit history from TransUnion, Experian, and/or Equifax.
  • Consumer Copy – an easy to read version of the credit report to distribute to the borrower. (can be translated into Spanish)
  • Letter of Explanation Document – A prefilled form letter available for the borrower to address any inquiries and any derogatory information on the original credit report or the refreshing report.
  • Creditors – a list of all reported creditors including address and phone numbers.
  • Adverse Summary – a report summarizing only derogatory accounts and public records.
  • Mortgage Only – a report that list only mortgage accounts.
  • Mortgage with Score – same as mortgage only, but with credit scores.
  • Denial Letter – a statement of denial, termination, or change. This form requires you to check the necessary statements before you print the form.
  • Trade Comparison – a report that contains the raw data from each bureau to determine possible inaccurate data that could be affecting the score.
  • Form 1003 – a printable PDF application including the borrowers’ name, ss and address along with liabilities from the credit report.