Lender Services

Lender Services
EXPAND YOUR CAPABILITIES
For more than four decades, First American CREDCO has been delivering the most widely available and accepted
credit reporting solution in the industry. Today, we offer a variety customized products for every business challenge,
including credit information services, fraud management, emerging markets, and compliance solutions.
#1 Choice Among Top Lenders
Proven systems uptime
Investor accepted
Available on major industry platforms
Responsive customer care
“More Solutions,
Better Business.”
Solution-driven Products
Lender Services from First American CREDCO provides the solution-driven products you need to expand your
business opportunities, reduce the risk of mortgage fraud, and maximize your operational efficiencies. Plus, we
offer world-class customer care and technical support to help you maximize our product solutions to your best
business advantage.
OBJECTIVE
SOLUTION
Determine traditional credit-worthiness of applicants
Instant Merge
Detailed analysis of information on an Instant Merge
Instant Merge Upgrades
Fast, bureau-level updates of incorrect credit report information
Rapid ReCheck
Non-traditional credit reporting, scoring, and more
Anthem Suite
Protect your business, secure your data
Data Security & Disaster Recovery
Reduce risk of potential fraud; Maintain compliance with federally
mandated requirements
Fraud & Compliance
Maintain compliance with FACT Act, CSD Notifications to consumers
in connection with an application for a home loan
Credit Score Disclosure
Find new business opportunities
Market Opportunity Report
Maximize efficiencies by outsourcing customer service and support
Call Center Services
Help clients understand their credit and facilitate resolution of
credit discrepancies
Consumer Assistance &
Disputes Resolution
For more information on our Lender Services, contact a First American CREDCO sales associate at
(800) 255-0792 or visit us online at www.credco.com.
C00130508
LENDER SERVICES
Instant Merge
The most widely accepted credit reporting solution
First American CREDCO’s Instant Merge is the most widely
available and accepted merged credit reporting solution
in the mortgage industry. Combining credit data from one,
two or all three national credit bureaus into a convenient
single report in a common format, it’s an ideal fit for most
lending situations.
Utilizing our patented Merge Logic, Instant Merge allows you
to get an accurate and balanced representation of your
borrower’s credit history. Only the most up-to-date tradeline
information appears on the report, giving you a more complete
picture of your client’s credit history.
Widely Available
Available on more technology platforms than any other provider,
our expansive connectivity makes it possible to access our
Instant Merge credit reports from just about anywhere, easily
and conveniently.
Proven Systems Uptime
Our proven systems uptime means you get access to the most
innovative credit reporting solutions in the industry, reliably and
with confidence. And combined with our world-class technical
support, you can rely on trained, knowledgeable professionals to
answer your questions and keep you connected for consistent and
dependable data exchange.
PRODUCT
Highlights
Available on over 40 technology platforms
Delivered in seconds via the Internet,
desktop software, LOS or other
customizable solution
Detailed demographic information, current
and historical tradeline details, and public
records and inquiries
Proven systems uptime
Portability
Whether you’re accessing or re-accessing credit information,
First American CREDCO’s wide range of connectivity portals
makes data exchange smooth and efficient – wherever you do
business.
World-class customer care and technical
support
Product add-ons and upgrades available
for more thorough credit analysis
For more information on Instant Merge, contact a First
American CREDCO sales associate at (800) 255-0792 or
visit us online at www.credco.com.
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
LENDER SERVICES
Instant Merge
The most widely accepted credit reporting solution
First American CREDCO also offers add-on products like Fair Isaac® (FICO®), bankruptcy, credit and risk
scores, and identity verification products to make Instant Merge an even more valuable decision tool.
Score Options
Alerts
FICO Scores
Equifax Beacon 5.0
TransUnion FICO Classic
’98 or ‘04
Experian FICO II or III
Instant Merge Warnings
SSN Possible ITIN
Possible Non-Applicant
ECOA Code Variation
Name Variation
SSN Variation
DOB Variation
Significant SSN Variation
Name And SSN Variation
Name And Significant SSN
Variation
Address Variation
Name, Address and
SSN variation
Next Gen Scores
Equifax Pinnacle 2.0
TransUnion FICO Risk
Experian Advanced Risk
Score 2.0
Vantage Score
Equifax, TransUnion,
Experian
Bankruptcy Scores
Equifax Bankruptcy Navigator
Index 3.0
TransUnion Delphi
Experian Bankruptcy Model
Additional Offerings
Enhanced Decode Directory
Consumer Score Disclosure
Notice To Home Loan Applicant
Fast Alert
ProScan ID
ProScan OFAC
ProScan XL
TransUnion High Risk Fraud
Alert
Experian Fraud Shield
Equifax SafeScan
Custom Sort
Fact Act Alerts
5th Score Factor Code
Fraud Alert Present
Security Alert Present
Active Duty Alert Present
Anthem Advisory Message
Custom Models
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
LENDER SERVICES
Instant Merge Upgrades
Product upgrades for a more thorough credit analysis
First American CREDCO’s Instant Merge, the most widely
available and accepted merged credit reporting solution in
the mortgage industry, offers a wide range of product
upgrades to provide a more thorough credit analysis.
Merge Plus
Merge Plus is a supplemental report that provides details on one
to three flagged items from the Instant Merge report. It saves
you the time and expense of researching credit of borrowers who
don’t need a full RMCR.
Business Credit Report
Designed to help you understand your risk, the Business Credit
Report presents a current, objective picture of how a business
handles its financial obligations. It includes trade payment
experiences, public record information, company background
and comparative data.
Builder Credit Report
Our Builder Credit Report is a fully investigative report especially
designed for construction lenders. Structured similarly to a
Residential Mortgage Credit Report, it reviews contract and
builder information, including supplier, subcontractor, banking
and client references.
Mortgage Credit Report
The Mortgage Credit Report, also known as Verification of
Mortgage (VOM), is documentation of a borrower's mortgage
payment history that is often required when applying for a loan.
It’s used to verify existing mortgage balances and monthly
payments, and to check for any late payments on the account.
Residential Mortgage Credit Report
First American CREDCO’s RMCR is our most comprehensive
and complete credit solution. Meeting or exceeding Fannie
Mae, Freddie Mac, HUD and industry standards, it’s the
ideal report for complex credit histories that require
verification of four or more items. Our RMCR includes
information going back two to seven years for both the
borrower and coborrower
PRODUCT
Highlights
Upgrades available when you require
additional investigative items on an
Instant Merge report
Search open balances, accounts in
disputes, and more
Verify existing mortgage balances and
monthly payments
Access credit information on complex
credit histories
Historical credit information going back
up to seven years on borrower and
coborrower
For more information on Instant Merge Upgrades,
contact a First American CREDCO sales associate at
(800) 255-0792 or visit us online at www.credco.com
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
LENDER SERVICES
Rapid ReCheck
Expedited bureau-level updates
Rapid ReCheck, an innovative service offered by First
American CREDCO, speeds up the bureau-level update
process. Rapid ReCheck provides fast, permanent updating of
national repository records – and an updated FICO score – so
you can respond faster with the right loan products for
your clients.
Fast, Bureau Level Updates
When you obtain your client’s original source documentation
from the credit grantor, simply forward it to First American
CREDCO for validation by our credit specialists. Once validated,
it will be forwarded to the appropriate credit bureau(s) and
processed within three to five business days.
Score Updates
When the update request has been completed, your client’s credit
report will be re-pulled for verification. The new file can then be
forwarded directly to you, or accessed conveniently online 24/7.
Rapid ReCheck will result in a recalculated FICO score. The score
will reflect all of the updated information in the bureau’s file.
Score Factors
Our Instant Merge summary page includes four score factor
codes – provided in order of importance – that can be used to
evaluate possible rescoring opportunities. The information can
be used when ordering a Rapid ReCheck to get the best results
for your client.
PRODUCT
Highlights
Approve more loans by addressing
inaccurate, incomplete or outdated
credit reports
Updates available in 3 to 5 days
Fast, permanent updating of repository
records
Delivers recalculated FICO scores
Reports sent directly to you, or accessed
conveniently online
For more information on Rapid ReCheck, contact a First
American CREDCO sales associate at (800) 255-0792 or
visit us online at www.credco.com.
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
C00140807
LENDER SERVICES
Anthem Suite
Assisting Non-traditional Homebuyers in Emerging Markets
Over the next decade, a projected 60% of first-time home
purchases in the United States will be made by those who
fall into traditionally underserved markets. Many of these
consumers have little or no traditional credit, but are
credit worthy.
Now with Anthem, First American CREDCO’s suite of alternative
credit services, you can originate any non-traditional loan and
help more homebuyers fulfill the American dream.
Credit-Building Solution
The Anthem Suite is an enhanced set of credit-building tools
designed to broaden your business opportunities, reduce the
risk of mortgage fraud, and help more Americans become
homeowners. And because Anthem is universally accepted
wherever non-traditional credit data is honored, you can close
more non-traditional loans more conveniently than ever.
Anthem Suite of Services
Instant Merge: Tri-merge credit reporting solution: The first
step in an Anthem Report
Rapid ReCheck: Fast, bureau-level updates of incorrect credit
report information
PRODUCT
Highlights
Expand your business opportunities and
satisfy needs of underserved markets
Widely accepted wherever non-traditional
credit data is honored
Reduce your risk with efficient and
reliable tools that exceed secondary
market standards
Alleviate labor-intensive process of
gathering and validating non-traditional
credit information
Anthem Report: Non-traditional credit report
Anthem Score: Non-traditional credit score
Advisory for Anthem: Notification of applicants who do not have
adequate traditional credit
Anthem Performance: Automatic data basing and customized
analysis of non-traditional credit data
First American CREDCO is the only
company that allows the use of an ITIN
International credit reporting available
ITIN Notification: Automatic notification when an ITIN
is present
Consumer Assistance: Assistance for applicants to understand
their credit reports
Consumer Disputes: Applicant resources for disputing
credit report errors
For more information on our Anthem Suite of Services,
contact a First American CREDCO sales associate at
(800) 255-0792 or visit us online at www.credco.com
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
LENDER SERVICES
Market Opportunity Report
Uncover potential business growth opportunities
First American CREDCO’s Market Opportunity Report helps
uncover business opportunities you might not find through
traditional underwriting practices. The report, which provides
an analysis on your loan production volume, can help you
identify additional business you could be getting from consumers with little or no credit history (thin-file consumers).
It’s Your Business. Expand it.
Using proven search logic capabilities, we’ll analyze your
customer data to identify applicants that could qualify for Anthem,
First American CREDCO’s suite of alternative credit services.
Anthem lets you originate any non-traditional loan so you can help
more homebuyers fulfill the American dream.
Determine market opportunities to expand your business
Identify potential production lift in approved applications
Build a competitive advantage into your process
Consultative Analysis
Our personalized, consultative approach helps you understand
critical findings and, more importantly, what they mean so you can
identify and maximize new business opportunities. We’ll also
provide critical insight into mortgage loan applicant data – such as
consumer behavior, demographics and market trends – to support
your loan origination and underwriting objectives.
For more information on the Market Opportunity Report,
contact a First American CREDCO sales associate at
(800) 255-0792 or visit us online at www.credco.com.
12395 First American Way
Poway, California 92064
PRODUCT
Highlights
Uncover opportunities not found through
traditional underwriting processes
Gain a broader, more thorough
understanding of your customer base
Get critical insight into mortgage loan
application data
Help more homebuyers fulfill the
American Dream
Provides a competitive advantage for
your business
Personalized, consultative analysis
Phone: 800.255.0792
www.CREDCO.com
C00470508
LENDER SERVICES
Data Security & Disaster Recovery
Protecting your business, and your reputation
At First American CREDCO, data security and disaster
recovery is consistently one of our highest priorities. It’s why
9 out of the nation’s top 10 lenders choose – and trust – First
American CREDCO when it comes to safeguarding the
integrity of consumer data.
WHY TRUST YOUR BUSINESS
WITH FIRST AMERICAN CREDCO?
The Risk is Real
It only takes one headline to ruin your reputation, and potentially
cost you millions. Identity theft and security breaches hurt
everyone: your business, our company and, more importantly,
your customers. Focusing on data security and disaster recovery
to protect consumer information isn’t just good business, it’s our
obligation to you and the consumers you serve.
PRODUCT
Highlights
Proven Systems Uptime
First American CREDCO maintains the industry’s only on-site and
off-site hot backup and disaster recovery systems and capabilities.
That means we have a proven systems uptime that ensures a
seamless and uninterrupted transfer of the credit information you
need, when you need it. And should your LOS system fail or
become unavailable, you can always access credit information
and other First American CREDCO products directly from our
Web-based portal – 24/7.
9 out of the nation’s top 10 lenders choose
First American CREDCO
Consumer credit information delivered
conveniently, in seconds
FCRA-certified, industry-trained customer
care and world-class technical support
Industry’s only hot redundant back up site
FCRA-Certified Customer Care
Proven systems uptime
We’ve built our reputation on consistently delivering
extraordinary customer care and technical support. Our team
of FCRA-certified customer care specialists is dedicated to
ensuring that our product offerings are optimized to your best
business advantage. Combined with our world-class technical
support, you can rely on trained, knowledgeable professionals
to answer your questions and keep you connected for
consistent and dependable data exchange.
Dedicated Web-based portal available as a
primary point of access, or as a backup to
lender origination systems
For more information on Data Security and Disaster
Recovery, contact a First American CREDCO sales
associate at (800) 255-0792 or visit us online at
www.credco.com
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
LENDER SERVICES
Fraud & Compliance
Fraud Protection and Compliance Solutions
When you require the most reliable fraud protection and
compliance tools in the industry, First American CREDCO
has the product solutions you need. Our Fraud and
Compliance Solutions help you detect the risk of identity theft
and fraud – and adhere to federally mandated compliance
requirements – throughout the loan cycle.
ProScan ID
Applicant ID Verification
ProScan ID provides a convenient, automated means to help you
meet compliance requirements for the Customer Identification
Program (CIP) and Red Flags Rule by verifying the accuracy of
your applicant’s Social Security Number (SSN), name and address.
Beyond standard alert products, ProScan ID delivers optimum best
match results based on advanced logic and filtering algorithms.
PRODUCT
Highlights
ProScan OFAC
Applicant Identity Screening Solution
ProScan OFAC helps to ensure that your business doesn’t
unknowingly aid in terrorist financing. Specifically, it’s a quick
and easy way to help your business comply with the federally
mandated Office of Foreign Assets Control (OFAC) compliance
requirements. ProScan OFAC is an integral part of Customer
Identification Program (CIP) compliance.
Comprehensive Applicant ID Screening Solution
ProScan XL helps financial institutions and mortgage
professionals comply with the Office of Foreign Assets Control
(OFAC), Bank Secrecy Act (BSA) and the USA PATRIOT Act.
This customizable solution lets you check applicants against
more than 25 domestic and international lists of known or
suspected terrorists and money launderers, and returns
easy-to-read results with “next step” compliance information
when a match is found. Search groups and watch lists include
OFAC, Homefront, PEPS and Extended.
Poway, California 92064
Help mitigate your repurchase, default and
delinquency costs
Helps you maintain compliance with CIP
and Red Flags Rule
Easily integrated into your current LOS
and other systems
ProScan XL
12395 First American Way
Reduce your risk by identifying potential
fraud before it actually occurs
Ensure professional requirements are
satisfied
Phone: 800.255.0792
www.CREDCO.com
C00100608
LENDER SERVICES
Fraud & Compliance
Fraud Protection and Compliance Solutions
ProScan IQ
Reliable Fraud Analysis on Loan Application Data
Based on your actual customer loan application data, ProScan IQ is a monthly aggregated report that can
help you identify trends in fraud, and mitigate potential risk. We use proven search logic capabilities to
analyze your applicant information, identify those that pose a potential risk for mortgage fraud, and present
findings in an easy-to-read summary report.
Tax Return Verification
Income Verification Solution
Our Tax Return Verification service provides a
simple, reliable way to validate applicant income
information within 24-48 hours. The result is an
easy-to-read report with an actual IRS transcript that
includes all schedules. An email confirmation
includes an Internet link, which provides a
convenient way to view, download and print your
report. Up to nine distinct lines of tax return data can
be provided, dating back three years.
Professional Screening
Professional Certification and Auditing Services
Professional Screening services provide an easy,
customizable solution for ensuring compliance
requirements for your new and existing brokers,
appraisers, agents, net branch and other real
estate professionals.
Our screening specialists collect and verify
licensing, agency approvals, business, banking,
and insurance references on all your applicants.
Civil, federal and criminal background checks
are also offered as a stand-alone service, or as
part of a total screening solution.
Red Flag Solution
Compliance Tools For New Regulations
As a cornerstone of your compliance strategy,
our Red Flag Solution combines several
powerful information tools to help satisfy your
obligations under the new Red Flags Rule –
quickly and easily. Key components of our Red
Flag Solution include.
Fraud Analysis: Provides a window into
the quality of loan application data coming
in through one or more of your origination
channels.
Identity Verification: Helps you quickly
confirm your borrower’s identity with an
easy-to-interpret text-based verification.
Credit Reporting Services: Offers a
convenient prequalification tool that provides
FACT Act fraud alerts.
For more information on Fraud and Compliance Solutions, contact a First American CREDCO
sales associate at (800) 255-0792 or visit us online at www.credco.com
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
C00100608
LENDER SERVICES
Credit Score Disclosures
C o n s u m e r N o t i fi c a t i o n C o m p l i a n c e S o l u t i o n s
First American CREDCO makes it easy to comply with
federally mandated consumer notifications. Our Credit Score
Disclosures and Notice to Home Loan Applicants are FACT
Act compliant, and can be automatically generated with every
Instant Merge report.
Credit Score Disclosures
To help you maintain compliance with the Fair and Accurate
Credit Transaction Act (FACT Act), First American CREDCO
provides a Credit Score Disclosure (CSD) to consumers in
connection with an application for a home loan. The CSD
discloses the credit score, the lender used in connection with the
consumer’s loan application and home loan, and the key factors
affecting the credit score. It contains contact information for each
credit reporting agency used, including the agency name,
telephone number and Web site.
PRODUCT
Notice to Home Loan Applicants
Additionally, and in accordance with the FACT Act, First
American CREDCO provides a Notice to Home Loan Applicants
which explains to the consumer what the CSD is and why they’re
getting it.
Highlights
Maintain compliance with the Fair and
Accurate Credit Transaction Act (FACT Act)
Credit Score Disclosures and Notice to
Home Loan Applicants
CSD Mailing Services
To help you comply with consumer notification requirements,
we offer a turnkey fulfillment and mailing solution that
automatically generates and mails a CSD and Notice to Home
Loan Applicant to your consumers with each Instant Merge report
ordered. With daily and flexible mailing turnaround times, our
cost-effective fulfillment service ensures that your clients are
properly notified as required by the FACT Act.
Automatically generate notifications with
every Instant Merge report
CSD fulfillment options available –
electronic and mail
Daily and flexible fulfillment turnaround
times
For more information on Consumer Notification
Solutions, contact a First American CREDCO sales
associate at (800) 255-0792 or visit us online at
www.credco.com.
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
C00210907
LENDER SERVICES
Call Center Services
Turnkey Customer Service and Support
For more than four decades, the success of our expanding
line of consumer information solutions has been driven
by innovation, technology and world-class customer service
and support. Today, you can put our customer service
expertise to work with First American CREDCO’s turnkey
Call Center Services.
Call Center Services
With onshore and offshore operations, we provide a
scalable customer service solution – with full management
services – designed to meet or exceed your specific call center
needs, including:
PRODUCT
Private label services
Rapid set-up, staffing and management
Inbound and outbound services
Turnkey or a-la-carte options
Onsite training staff
Highlights
Business-to-business and consumer
call center services
Transaction tracking and reporting
Customer Care Specialists
When you outsource your call center needs with First American
CREDCO, your customers can count on getting superior service and
support from industry-trained, FCRA-certified professionals. Our
customer care teams are dedicated to supporting your overall
service goals, seamlessly and efficiently.
Customizable Solutions
First American CREDCO’s Call Center Services offer customized
short term and permanent outsourcing solutions, everything you
need to streamline your operations and maximize efficiencies.
Outsourcing your call center needs can save your business time
and money, while ensuring that your valued customers receive
superior service and support.
Seamless integration into your business
model
Onshore and offshore operations
Scalable with full management services
Additional outsourcing services available,
such as applicant rescoring and reissue,
broker and appraiser certification,
and auditing
For more information on Call Center Services, contact a
First American CREDCO sales associate at (800) 255-0792
or visit us online at www.credco.com.
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
CONSUMER SERVICES
Consumer Services
Consumer Assistance
Understanding credit and how it affects
consumer choices is critical, particularly
when it comes to home buying. That’s why
we have a team of credit professionals
dedicated to helping consumers
take control of their credit
and improve their overall
credit health.
Our Consumer Assistance
Services is available to all
First American CREDCO
customers to help them better
understand what is in their
credit reports and how it
impacts them. We can even make
recommendations to assist them with
strategies for establishing and improving
their credit history.
Consumer Disputes Resolution
When you order credit information from First
American CREDCO, your clients get free access
to our convenient, toll-free consumer disputes
service. With just one call, our FCRA-certified
specialists will work hand-in-hand with your
clients to resolve any discrepancies with the
national credit bureaus. As a single contact
point, our Consumer Disputes Resolution
service makes the often complicated and
time-consuming credit dispute process
easier for your clients, and you.
“One-call” Dispute Resolution
Home Buyers Credit Education
DISPUTE INVESTIGATIONS
We investigate tradelines by working directly with
the credit bureaus.
First American CREDCO offers a free online
educational site dedicated to helping consumers
understand and build the credit they deserve.
CONSUMER INTERACTION
We actively communicate the results
of our investigative process to the
consumer.
BUREAU COMMUNICATION
Our Consumer Disputes team
works with the bureaus on the
consumer’s behalf to update
incorrect data.
FCRA COMPLIANCE
First American CREDCO strictly adheres to the
guidelines set by the FCRA regarding timeframes,
forms and procedures.
Online Resources
CREDCO.com/CreditEducation:
What is credit?
Home buying guide
Credit challenges
Credit issues to consider
Checking your credit
Questions
Contact First American CREDCO today!
Call: 800.255.0792
Email: ConsumerInquiry@FirstAm.com
Visit: www.Credco.com
“With proper guidance and
education, consumers can
feel empowered to move
ahead in their dream to
achieve homeownership.”
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
EXPERT CUSTOMER CARE
Consumer Assistance and
Disputes Resolution
OUR COMMITMENT TO YOU,
AND YOUR CLIENTS
At First American CREDCO, our number one
achieve the dream of homeownership. At First
goal is to help consumers establish or gain
American CREDCO, we create those opportunities
control over their financial health so that they’re
for everyone.
Every American deserves the opportunity to
afforded opportunities to achieve the dream of
homeownership. To help make this possible, we
That’s why we offer educational tools and
offer free Consumer Assistance and Disputes
resources dedicated to providing homeownership
Resolution services to all clients of First American
opportunities for traditionally underserved
CREDCO customers.
consumers. Consumer Assistance and Disputes
Resolution services are available to all consumers
Provides “one-call” dispute resolution
who access their credit report from First American
Helps consumers understand their credit
scores and interpret their credit report
CREDCO or to any loan applicant working with a
First American CREDCO mortgage professional.
Provides education on the importance of
establishing and maintaining good credit,
and monitoring credit profiles
Consumer Services
Consumer Assistance and
Disputes Resolution
Teaches how to build a non-traditional
credit history
Protects against identity theft and
common scams
Bi-lingual support – fluent Spanish-speaking
Customer Care Specialists available
12395 First American Way
Poway, California 92064
Phone: 800.255.0792
www.CREDCO.com
www.CREDCO.com
Instant Merge Credit Report
Ref #:
1-00717-31453-0000 07/05/2006
Prepared For:
Instant Merge Sample Report
12395 First American Way
Poway, CA 92064
Attention: John IM Sample
TID #:
1-00726-11477 07/05/2006 10:36:20
Prepared By:
First American CREDCO
12395 First American Way
Poway, CA 92064
Tel: (800) 300-3032
Fax: (800) 938-7200
URL: www.credco.com
Client Loan # : 42-123456B
Account #
: 7XX87
Notes
: 9210
Requested
Delivered
: EFX, XPN, TUC-J
: EFX, XPN, TUC
APPLICANT INFORMATION
Name
Address
SAMPLE, STEVE
Current:
Previous:
Current:
Previous:
SAMPLE, SHARON
4536 FIRST AMERICAN AVE, TESTSITE, CA 9XX07
123 EAGLE ROAD, TOMORROW, OR 995XX
4536 FIRST AMERICAN AVE, TESTSITE, CA 9XX07
123 EAGLE ROAD, TOMORROW, OR 995XX
Address
Type
OWN
RENT
OWN
RENT
SSN
DOB or Age
911-72-3333
05-20-62
Applicant
Identifier
APP1
333-22-1111
38
APP2
WARNING
ƒ POSSIBLE NON-APP INFORMATION PRESENT IN THE REPORT
ƒ FRAUD ALERT, ACTIVE DUTY ALERT PRESENT
ƒ SSN POSSIBLE ITIN
INSTANT MERGE CREDIT SUMMARY
ACCOUNT DISTRIBUTION
Account Type
Real Estate
Installment
Revolving
All Other Accounts
Total
Number
2
1
3
1
7
AVAILABLE CREDIT
Revolving
31%
INQUIRIES
6 Month Total
Elim. same day
Adjusted Total
New Trades (6 mos)
5
1
4
0
Balance
$177,245
$8,985
$1,738
$130
$188,098
CURRENT STATUS (Tradelines)
Payments Current
Closed
$1,755
1
0
$285
1
0
$49
3
1
$0
0
0
$2,122
5
1
Unrt
0
0
0
0
0
30
1
0
0
0
1
60
0
0
0
0
0
90+
0
0
0
1
1
HISTORICAL DELINQUENCIES (COUNT)
Account Type
Last Dlq
Real Estate
09/00
Installment
Revolving
08/00
All Other Accounts
08/00
Total
30
9
0
3
0
12
60
1
0
3
0
4
90+
0
0
4
1
5
$765
PUBLIC RECORDS
EFX
1
XPN
N/A
TUC
1
Last 2 yrs N/A
Oldest Trade:
03/98
On file: 12/91
Disclaimer: Only Applicant(s) information included in the Summary.
DATA SOURCES SCORE INFORMATION
Item
#
1
2
Product
Score
BEACON 5.0
653
BEACON 5.0
Factor Information
Factor: 00024, 00031, 00008, 00002
ƒ 00024 NO RECENT REVOLVING BALANCES
ƒ 00031 TOO FEW ACCOUNTS WITH RECENT PAYMENT INFORMATION
ƒ 00008 TOO MANY INQUIRIES LAST 12 MONTHS
ƒ 00002 LEVEL OF DELINQUENCY ON ACCOUNTS
* Number of Inquiries Adversely Affected the Score
Not provided by the repository
Page 1 of 7
Data
Source
Applicant
Identifier
EFX
APP1
EFX
APP2
Instant Merge Credit Report
Ref #:
1-00717-31453-0000 07/05/2006
TID #:
1-00726-11477 07/05/2006 10:36:20
DATA SOURCES SCORE INFORMATION
Item
#
Product
Score
Data
Source
Applicant
Identifier
3
FICO-II
646
XPN
APP1
4
FICO-II
5
FICO Classic 04
Not provided by the repository
EFX
APP2
Not provided by the repository
TUC
APP1
6
FICO Classic 04
667
Factor: 002, 010, 018, 012
ƒ 002 LEVEL OF DELINQUENCY ON ACCOUNTS
ƒ 010 PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK
REVOLVING OR OTHER REVOLVING ACOCUNTS
ƒ 018 NUMBER OF ACCOUNTS WITH DELINQUENCY
ƒ 012 LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
* Number of Inquiries Adversely Affected the Score
TUC
APP2
Data
Source
ECOA
Factor Information
Factor: 28, 07, 24, 32
ƒ 28 NUMBER OF ESTABLISHED ACCOUNTS
ƒ 07 ACCOUNT PAYMENT HISTORY IS TOO NEW TO RATE
ƒ 24 NO RECENT REVOLVING BALANCES
ƒ 32 LACK OF RECENT INSTALLMENT LOAN INFORMATION
CREDIT HISTORY
I Credit Grantor
T
E Account Number
M
# Category/Terms
Remarks
Date
Rptd
Credit
Highest
Open
Limit
Joint Accounts
Present Status
Balance
Monthly
Pymt Amt
Historical Status
Account Type
– MOP
Times Past Due
MR
Status
1 COUNTRYWIDE HOME 05-06
LOANS
10-02
5462119
REAL ESTATE MORTGAGE
147286
139339
1326
M-1
CURRENT
43
Group Total
60
90+
00
00
00
EFX
180XX00931
XPN
Activity: PYMT 05-06
Pymt Hist: 05-06 111111111111111111111111
Addt’l Dates: LACT 05-06
Monthly
Balance
Pymt Amt
139339
1326
1 Accounts
30
Appl.
Subscriber Ident.
Info
J
APP1
APP2
TUC
30
60
90+
00
00
00
CREDIT HISTORY
I Credit Grantor
T
E Account Number
M
# Category/Terms
Remarks
Date Credit
Rptd Highest
2 WFS FINANCIAL
51327007
05-06
Open Limit
Monthly
Pymt Amt
12764
8985
3 AMERICAN EXPRESS 05-06
XXXXXXXXXXXX4891
03-06
285
13000
AUTO LOAN 60 MON
AUTO LOAN
2 Accounts
Balance
Account Type
– MOP
I-1
CURRENT
Data
Source
Historical Status
Times Past Due
MR
Status
05-04
Group Total
Accounts under Applicant 1
Present Status
30
60
90+
24
00
00
00
0
0
5000
R-1
CURRENT
3
00
00
00
Activity: PYMT 05-06
Pymt Hist: 05-06 111
Monthly
Balance
Pymt Amt
8985
285
30
60
90+
Page 2 of 7
00
00
00
Appl.
Subscriber Ident.
Info
EFX
Activity: PYMT 05-06
Pymt Hist: 05-06 111111111111111111111111
721
ECOA
I
XPN
FXX828796 APP1
TUC
EFX
I
XPN
7400XX0NZ APP1
Instant Merge Credit Report
Ref #:
1-00717-31453-0000 07/05/2006
TID #:
1-00726-11477 07/05/2006 10:36:20
CREDIT HISTORY
I Credit Grantor
T
E Account Number
M
# Category/Terms
Remarks
Accounts under Applicant 2
Present Status
Date Credit
Rptd Highest
Open Limit
Balance
Monthly
Pymt Amt
Account Type
– MOP
Times Past Due
MR
Status
4 DISCOVER FINANCIAL 06-06
SVC
601039808
02-02
1327
996
49
R-1
CURRENT
Data
Source
Historical Status
52
30
60
90+
00
00
00
Activity: PYMT 06-06
Pymt Hist: 06-06 111111111111111111111111
Addt’l Dates: LACT 04-06; PYMT 06-06
ECOA
Appl.
Subscriber Ident.
Info
EFX
15XXB0374
I
7
XPN
APP2
TUC
Group Total
Balance
1 Accounts
996
Monthly
Pymt Amt
49
30
60
90+
00
00
00
CREDIT HISTORY
I Credit Grantor
T
E Account Number
M
# Category/Terms
Remarks
Date Credit
Rptd Highest
5 GMAC
445Ac86325
07-06
Open Limit
Possible Non-Applicant Accounts
Present Status
Balance
Monthly
Pymt Amt
Account Type
– MOP
Times Past Due
MR
Status
5600
3831
61
11-03
I-1
CURRENT
91
Pymt Hist: 07-06 111111111111111111111111
Addt’l Dates: LACT 05-02
Monthly
Balance
Pymt Amt
3831
61
Group Total
1 Accounts
Data
Source
Historical Status
30
60
90+
00
00
00
30
60
90+
00
00
00
ECOA
Appl.
Subscriber Ident.
Info
EFX
F53016XX2
I
APP
ID5
DEROGATORY ITEMS
CREDIT HISTORY
I Credit Grantor
T
E Account Number
M
# Category/Terms
Remarks
Date Credit
Rptd Highest
6 BANK OF AMERICA
MORTGAGE
1330469355684
HOME EQUITY LOAN
06-06
Open Limit
Joint Accounts
Present Status
Balance
Monthly
Pymt Amt
Account Type
– MOP
Times Past Due
MR
Status
40000
37906
429
07-01
Data
Source
Historical Status
M-2
DEL 30
59
30
60
90+
09
01
00
Activity: PYMT 12-04
Delinquency
Pymt Hist: 06-06 221111212211211121132211
MOP Date
Amount
3 11-04
Lates: 1X60: 11-04; 9X30: 06-06, 05-06, 12-05, Max
10-05, 09-05, 06-05, 02-05, 10-04, 09-04
Last
2 06-06
Page 3 of 7
ECOA
Appl.
Subscriber Ident.
Info
EFX
J
XPN
FPXX86040 APP1
APP2
TUC
Instant Merge Credit Report
Ref #:
1-00717-31453-0000 07/05/2006
TID #:
1-00726-11477 07/05/2006 10:36:20
CREDIT HISTORY
I Credit Grantor
T
E Account Number
M
# Category/Terms
Remarks
Date Credit
Rptd Highest
7 CHEVRON U S A
06-06
Open Limit
Joint Accounts
Present Status
Balance
Monthly
Pymt Amt
CLOSED
734001
03-98
ACCT SUBMITTED TO COLLECTION;
PAID COLL 05-06
CREDIT CARD
8 GRANT & WEBER
Times Past Due
MR
Status
860
05-06
130
Group Total
N/A
Y-9
COLL/P&L
Activity: PYMT 05-06
Pymt Hist: 05-06 999
Balance
3 Accounts
86
30
60
90+
01
02
02
Activity: CLSD 05-06
Delinquency
Pymt Hist: 06-06 543321111111111111111111
MOP Date
Amount
Lates: 2X90: 06-06,05-06; 2X60: 02-06, 01-06; Max
5 06-06
430
1X30: 12-05
Last
5 06-06
230
01-98
G800CAL776113
CN: CALIFORNIA PACIFIC
ACCT SUBMITTED TO COLLECTION
COLL 05-06
R-5
DEL 120
0
Data
Source
Historical Status
Account Type
– MOP
38036
-
-
-
Monthly
Pymt Amt
429
Appl.
Subscriber Ident.
Info
EFX
9060C0024 S
XPN
30
60
90+
10
03
02
APP1
APP2
TUC
-
Delinquency
MOP Date
Amount
Max
9
Last
9
ECOA
XPN
YC3980206
S
APP1
APP2
CREDIT HISTORY
I Credit Grantor
T
E Account Number
M
# Category/Terms
Remarks
Accounts under Applicant 1
Present Status
Date Credit
Rptd Highest
Open Limit
9 FNANB/CIRCUIT CITY 06-06
Balance
1186
152300315866
06-02
REFER TO CONSUMER STATEMENT 1
CREDIT CARD
1 Accounts
33
R-1
CURRENT
Data
Source
Historical Status
Times Past Due
MR
Status
742
Group Total
Monthly
Pymt Amt
Account Type
– MOP
48
30
60
90+
02
01
02
Activity: PYMT 06-06
Delinquency
Pymt Hist: 06-06 111111111111154321211111
MOP Date
Amount
Lates: 2X90+: 05-05, 04-05; 1X60: 03-05;
Max
5 05-05
2X30: 02-05, 12-04
Last
5 05-05
Addt’l Dates: LACT 05-05; PYMT 12-04;TRAN 03-03; RFIN 03-04;
CHRG 08-02; RPOS 01-05; BKPY 11-03; CLSD 12-02; BLON 01-04
Monthly
Balance
30
60
90+
Pymt Amt
742
33
02
01
02
Page 4 of 7
ECOA
Appl.
Subscriber Ident.
Info
EFX
401HZ00615 I
XPN
APP1
Instant Merge Credit Report
Ref #:
1-00717-31453-0000 07/05/2006
TID #:
1-00726-11477 07/05/2006 10:36:20
PUBLIC RECORDS
Bankruptcy Public Record Information
Public Records may contain duplicate information. This report displays all information reported by the repositories accessed.
Dates
Dollars ($)
Data Source
Filed
Item
Amt/Liabilities
Public Record Description
Court Name
Reported
#
Assets Subscriber
Satisfied
Exempt Info
Verified
1
CH 7 BANKRUPTCY FILED JOINTLY
FEDERAL DISTRIC COURT (LOS 02-02
02-02
ANGELES, CA)
06-02
Docket Number: 9719582
Status: DISCHARGED
EFX
155VF00015
ECOA
Applicant
Identifier
J
APP1
APP2
TUC
END DEROGATORY ITEMS
IDENTIFICATION INFORMATION
Item #
1
2
3
4
5
Name
SSN
SAMPLE, STEVE
SAMPLE, STEVE
SAMPLE, STEVE
SAMPLE, SHARON
SAMPLE, STEFAN
911-72-3333
911-72-3333
911-72-3333
333-11-2222
111-22-3359
Date of
File Start
Birth
Date
07-03-62 05-22-72
08-12-72
07-03-62 04-06-72
04-01-64 05-12-74
07-31-75 05-05-82
Data
Source
EFX
XPN
TUC
TUC
TUC
Applicant Identifier
APP1
APP1
APP1
APP2
APP3
POSSIBLE NON APPLICANT
Data SourceSubscriber Info
Applicant
Identifier
TUC-082XX891Z
XPN-397XX65FR
XPN-7400XX0NZ
APP2
APP1
APP1
XPN-19XX062YC
TUC-071XX157Z
APP2
APP2
INQUIRIES MADE IN LAST 6 MONTHS
Dates
Inquiry
Trade
07-05-06
07-05-06
03-05-06
03-06
02-27-06
02-11-06
Item # Inquiry Made By
1
2
3
FAC TEST
NORWEST-RELS
TRADE
AMERICAN EXPRESS
4
5
VENGROFF WILLIAMS & AS
LENDERS CRDT
3
ADDRESS INFORMATION
Item #
1
2
Address
Address Type Since
Date
Reported
Data
Source
Applicant
Identifier
4536 FIRST AMERICAN AVE
TESTSITE, CA 9XX07
123 EAGLE ROAD
TOMORROW, OR 995XX
CURRENT
02-06
EFX
11-05
TUC
APP1
APP2
APP2
Data
Source
XPN
XPN
Applicant
Identifier
APP1
APP2
CURRENT
08-01
AKA INFORMATION
Item #
1
2
Names
SAMPLE, STEVE P
SAMPLE, SHARON J
Page 5 of 7
Instant Merge Credit Report
Ref #:
1-00717-31453-0000 07/05/2006
TID #:
1-00726-11477 07/05/2006 10:36:20
EMPLOYMENT INFORMATION
Item Employer
# Address
1
BERLIN TIRE
2
ACME FINANCE
TESTVILLE, CA
Occupation
Status
Earnings
Dates
Data
Source
Hired
Reported
$1000 Bi-monthly
03-00
EFX
05-00
XPN
05-05
UNKNOWN
VICE PRESIDENT
Current
Applicant
Identifier
APP1
APP2
MISCELLANEOUS INFORMATION
Item # Miscellaneous Text
1
2
3
Text Type
Consumer has Active Duty Alert
Consumer has Extended Fraud Alert
Variation between Inquiry and Onfile address.
Active Duty
Fraud Alert
Date
Data
Reported Source
05-06
XPN
TUC
TUC
Applicant
Identifier
APP1
APP2
APP2
Date
Data
Reported Source
02-05
EFX
Applicant
Identifier
APP1
03-05
EFX
APP2
05-05
XPN
APP3
CONSUMER STATEMENT
Item # Consumer Statement
1
2
3
ACTIVE DUTY ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT
FILE. 123 EAGLE ROAD, TOMORROW, OR 99500 DAYTIME 7709991212 EVENING 7708883434
FRAUD VICTIM. “EXTENDED ALERT”. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON
THEIR CREDIT FILE. PAGER 7704445555
ACCOUNT WENT TO A DELINQUENT STATUS WHILE I WAS OUT OF THE COUNTRY.
ID5
DECODE DIRECTORY
Decode
Creditor
Item #
1
AMERICAN EXPRESS
Data Source
Contact Method
Phone/By Mail Only
800-528-4800
2
BANK OF AMERICA MORTGAGE By Mail Only
3
CHEVRON U S A
800-243-8766
4
COUTRYWIDE HOME LOANS
By Mail Only
5
DISCOVER FINANCIAL SVC
800-347-2683
6
FNANB/CIRCUIT CITY
By Mail Only
7
GMAC
800-200-4522
8
GRANT & WEBER
818-878-7700
9
WFS FINANACIAL INC
800-289-8004
Address
Subscriber Info
PO Box 297812
Ft Lauderdale, FL 33329
110 N Tryon St
Charlotte, NC 28255
PO Box 5010
Concord, CA 94524
4500 Park Granada
Calabasas, CA 91302
PO Box 30943
Salt Lake City, UT 84130
PO Box 100044
Kennesaw, GA 30156
3500 W 80th St, Ste 300
Bloomington, MN 55431
26575 West Agoura Rd
Calabasas, CA 91302
PO Box 25341
Santa Ana, CA 92799
Page 6 of 7
XPN-7400XX0NZ
XPN-FPXX86040
EFX-9060C0024
EFX-180XX00931
Applicant
Identifier
APP1
APP1
APP2
APP1
APP2
APP1
APP2
EFX-15XXB03747
APP2
EFX-401HZ00615
APP1
EFX-F530169XX2
APP3 ID5
XPN-YC3980206
APP1
APP2
XPN-FXX828796
APP1
Instant Merge Credit Report
Ref #:
1-00717-31453-0000 07/05/2006
TID #:
1-00726-11477 07/05/2006 10:36:20
FRAUD VERIFICATION INFORMATION
Product
Item #
SAFESCAN
1
2
HRFA
1
2
3
Data
Source
Applicant
Identifier
SAFESCANNED: YOUR INQUIRY HAS GONE THROUGH OUR SAFESCAN DATA BASE; SSN ISSUED
1969 IN HI
Not provided by the repository.
EFX
APP1
Not provided by the repository.
AVAILABLE AND CLEAR
SUB-SEGMENT DATA ONLY; SINCE 11-07-2000 THE SSN HAS BEEN USED 3 TIMES IN OTHER
INQUIRIES
TUC
Fraud Message
APP2
APP1
APP2
ID 5
APP3
DATA SOURCE CONTACTS
Data Source
Data Source Name
Address
Telephone
Website
EFX
EQUIFAX INFORMATION SVCS
PO BOX 740241
ATLANTA, GA 30374
(800) 685-1111
www.equifax.com
XPN
EXPERIAN
PO BOX 2002
ALLEN, TX 75013
(888) 397-3742
www.experian.com
TUC
TRANSUNION
PO BOX 34012
FULLERTON, CA 92834
(800) 916-8800
www.transunion.com
ERROR INFORMATION
Item # Error Message(s)
1
Error Codes
TUC DATA UNAVAILABLE
E021, E160
Data
Source
TUC
DISCLOSURE
This report contains information supplied by the repositories named above. Its contents have not been verified by First American
CREDCO and may contain duplicate information. While this report is being used for some real estate lending purposes, it is not a
Residential Mortgage Credit Report as defined by FNMA, FHLMC, and FHA/VA guidelines.
End of Instant Merge Report
Applicant
Identifier
APP1
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