Provides an explained, more granular view of the consumer by leveraging 24 months of specific, consumer payment behavior – including scheduled payments, actual payments and past balances. With 24 months of historical payment data of the consumer, lenders are able to extract meaningful statistics to help predict future behavior. When you access our credit platform, you can order single, dual or trimerge reports that contain consumer credit information related to payment history, as well as other supplemental products that help make your loan origination process easier.

Helps you obtain updated credit report information to satisfy underwriting requirements and can be ordered after Credit*Hi-Lite as a supplemental report. It can be used to update the tradelines or public record information, develop landlord references or add a credit reference that has not yet been reported to the credit reporting agencies.

Helps save you time and money by using minimum consumer-level credit attributes to control the number of credit repositories accessed in order to prequalify borrowers.

A proprietary platform that monitors the quite period between the time of the original credit report and the closing of the loan – includes daily activity alerts that may represent potential risk to the lender if undisclosed liabilities are not identified and addressed prior to closing the loan.