Credit Services
Credit Reports Customer Service Updates CreditXpert Rescore
Credit Reports: Bureau Express Sample Report.pdf
Factual Data-Midwest provides a merged credit report which allows access to one, two or all three credit repositories in an easy to read format. Our credit report integrates with all major loan operating systems as well as Fannie Mae and Freddie Mac.
Why Factual Data-Midwest Credit Reports?
Prequalification reports accessing only one repository can be pulled with the other two repositories being added only after the initial report meets guidelines.
Joint reports can be separated at no charge.
Customer Service Updates can easily be ordered online, by phone, or by fax.
The Kroll Factual Data platform interfaces with all the major mortgage loan origination systems.
Free FACTA Compliance Letter.
Free OFAC searches.
Free Denial Letter
Free Mortgage Only Reports
Our customer service department is second to none.
Our team is fast, friendly and accurate.
We can get updated ratings for all credit tradelines, employment verifications, rental verifications and non-traditional credit ratings.
Don't spend valuable time on hold waiting for a credit rating, let our team update the information and you can pick it up online. We'll even call you and let you know when it is ready.
Ask about our bundled pricing which includes 2 or more free customer service updates.
Factual Data -Midwest offers a suite of products to analyze applicants credit and how specific items are affecting their credit score.
CreditXpert Essentials™
Advisor View Sample.pdf ~ Applicant View Sample.pdf
Analyze applicant's credit to determine the best course of action to maximize applicant's credit score. This tool gives you the information in an easy to understand format perfect for relaying the information to your applicant.
CreditXpert What-If Simulator™
What-If Simulator Sample Report.pdf
Use the rapid rescore mode to estimate the affect a change made using our Rescore (more information) process will have. Call Shelly in our office for pricing information. Shelly (712) 322-3012 or (800) 875-7344.
CreditXpert Detective™
Let this tool sleuth out any opportunities you might overlook including incorrect, missing and outdated information.
In today's market good credit scores are essential to obtaining financing for your applicant. Erroneous and outdated information may be preventing your applicant from obtaining the loan they need. Waiting 30 or more days for a consumer dispute to be processed by the credit repositories might not be an option. With the proper documentation Factual Data-Midwest can submit updates to the three credit repositories to be updated within days.
Fair Isaac has developed a proprietary model used to score credit reports. Although no one can tell exactly how an update will affect a score our experience can help you decide whether or not to proceed with a Rescore based upon the reports we have seen in the past.
The CreditXpert suite of products can help you determine what affect a change may have on a score.
Request for Rescore form: click here for a printable form.
Call Shelly at (712) 322-3012 or (800) 875-7344 for pricing.