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CoreLogic Credco

CoreLogic Credco is the nation’s leading provider of merged credit reports, processing over 92 million credit and related transactions annually.

Credit and Verification Solutions for the Mortgage Industry

For over 50 years, CoreLogic has been offering credit reporting solutions to the mortgage industry. Today, we are the largest provider of merged credit reports in the United States - supplying information to 19 of the top 20 mortgage lenders.

The Leading Provider of Mortgage Credit Reports for Over 50 Years

CoreLogic is the industry leader in credit reporting solutions for the mortgage industry. In 1989, we revolutionized the industry with the introduction of Instant Merge®, the world’s first fully automated 3-bureau merged credit reporting solution. Today, we continue to identify new technologies and create new products to help our customers make smarter business decisions across an ever-changing marketplace.

The Industry's First and Most Widely Used 3-Bureau Reports

Since 1989, the Instant Merge credit report has been the gold standard for 3-bureau merged credit reports, used and accepted by more lenders than any other report in the industry. We offer the Instant Merge report in several different formats depending on your business need.

Instant Merge
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The mortgage industry's most widely used and accepted 3-bureau merged credit report. It is utilized by 19 of the top 20 mortgage lenders and is integrated on over 60 Loan Origination Systems.

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Instant Merge PreQual
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A non-decisionable, single-bureau, soft-inquiry credit report and FICO score.

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Instant Merge SoftTouch
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A soft-inquiry credit report approved by all three national credit bureaus for use in consumer counseling.  

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Credit Score Disclosure & Notice to Home Loan Applicant
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Automatically delivered with every credit report or mailed directly to the consumer, our Credit Score Disclosure (CSD) and Notice to Home Loan Applicant (NHLA) are Fair and Accurate Credit Transaction (FACT) Act compliant and help you meet Risk Based Pricing Notification rules.

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Letter of Explanation
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A convenient solution that allows you to request a more detailed written explanation from an applicant on specific areas of their credit report.  

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Leverage CoreLogic Data to Improve Credit Decisioning

When traditional credit reports are not enough, rely on CoreLogic non-traditional credit reporting solutions. Whether you are looking for a more complete 360-degree view of an applicant’s credit profile or for a way to evaluate your thin or no file applicants, CoreLogic has a Fair Credit Reporting Act (FCRA) compliant non-traditional credit reporting solution for you.

ENCORE
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A FCRA-compliant consumer report that combines 3-bureau merged credit information with exclusive next-generation data intelligence from multiple data sources for a 360-degree view of the consumer and the lending transaction.

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CreditIQ
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An expanded FCRA-compliant consumer report that augments traditional 3-bureau credit reports with over 700 million consumer transaction records from the vast CoreLogic proprietary databases for a more complete view of an applicant’s credit profile.

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Anthem
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An FCRA-compliant credit report that delivers verified non-traditional credit data for thin and no file applicants.

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Product Upgrades for More Thorough Credit Analysis

When you require additional details on an applicant’s credit report – beyond what is typically supplied in an Instant Merge, we offer a wide range of upgrades to help you conduct a more thorough credit analysis.

Merge Plus
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A supplemental report that provides additional information on any flagged items from the Instant Merge report.  

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Residential Mortgage Credit Report (RMCR)
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For complex credit histories that require verification on four or more items, the RMCR includes information going back two to seven years for the borrower and co-borrower.

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Mortgage Only Credit Report
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Used to verify an applicant’s mortgage balance and monthly payment history.

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Make Fast Bureau Level Changes to Applicant Credit Reports

Small changes to an applicant's credit report can impact their credit score. CoreLogic delivers solutions that help you to analyze an applicant’s credit report, simulate the effects of the proposed changes, and make bureau level updates within a few days.

CreditXpert
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A suite of intelligent software solutions that help you uncover opportunities to improve an applicant’s credit score.

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Rapid ReCheck
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An efficient way to update inaccurate or outdated information on a credit report, often in just three to five business days.

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Maintain Compliance with Fannie Mae's Loan Quality Initiative

CoreLogic delivers multiple ways to help you comply with Fannie Mae's Loan Quality Initiative. Whether you need to compare an applicant’s pre-qualification and pre-funding credit reports, want to monitor an applicant’s daily credit activity during the underwriting process, or you need insight into the loan actors in a given transaction, we have you covered.

FinalCheck
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A three-in-one solution to help you meet Fannie Mae's LQI compliance requirements. FinalCheck includes a credit gap analysis, an application check and a fraud check.

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LQ GAP
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A fully-automated variance or "gap" reporting solution that identifies and summarizes any changes in a borrower’s credit report between pre-approval and pre-funding.

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LQ Debt Monitoring
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A daily scan of your applicant’s credit profile that notifies you of any changes that could affect your lending decision.

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Instant Merge LQ
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A prefunding credit report that identifies new inquires, credit liabilities and public records posted in the last 90 days (or from the date you provide).

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Verify Key Applicant Information and Protect Your Business Throughout the Loan Cycle

The ability to quickly and confidently verify applicant information is more important than ever. CoreLogic offers solutions to help you validate applicant identity, income, employment and more while helping you remain compliant with key industry regulations.

Verify Applicant Income, Employment, Identity and More

CoreLogic offers solutions to help you efficiently and reliably verify applicant-supplied information and mitigate mortgage fraud.

4506-T Direct Income Verification
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A simple and reliable way to validate applicant income information directly from the IRS.  

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SSN Verification
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A direct and reliable way to access the Social Security Administration (SSA) for verification of an applicant’s Social Security Number.

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Employment Verification
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A reliable and streamlined way to verify applicant-supplied employment and income information.

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Identity Verification
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A convenient and automated solution that helps you confirm an applicant’s identity and meet the compliance requirements for the Customer Identification Program (CIP) and the Red Flags Rule.  

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Bureau Identity Alerts
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A convenient and reliable way to quickly confirm an applicant’s identity by validating their Social Security Number, address and telephone number.

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Score-Based Identity Verification
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A three-digit score indicating the level of identity risk associated with an applicant – the higher the score, the greater the probability of identity risk.

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OFAC Verification
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A quick and easy way to help you satisfy the USA PATRIOT Act’s Customer Identification Program (CIP), Office of Foreign Assets Control (OFAC) and Red Flags Rule compliance requirements.

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Verification of Military Status

A quick and reliable solution to help you comply with the Servicemembers Civil Relief Act of 2003 (SCRA).

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Red Flag Solutions

The Red Flags Rule requires you to implement an Identity Theft Prevention Program – a "written program to detect, prevent, and mitigate identity theft in connection with the opening of a covered account or any existing covered account". CoreLogic offers solutions to help you effectively meet key provisions within the Red Flags Rule.

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LoanSafe Decision Manager

LoanSafe Decision Manager leverages the patented predictive analytics and scoring technology available exclusively in LoanSafe Fraud Manager – the industry’s number one fraud prevention solution – and delivers it with Fair Credit Reporting Act (FCRA) compliant data for a more powerful loan decisioning tool.

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Data Tools for Retaining Business, Managing Customers and Minimizing Risk

Whether you’re identifying customers shopping for a better rate on their mortgage or determining the risk-based value of your entire portfolio, portfolio management solutions from CoreLogic offers fast and reliable consumer information tools.

Append Key Credit Data to Loans in Your Portfolio

Custom solutions to help you evaluate and update any number of loans for financial profiles, identity information, Patriot Act screening and more. Batch & Append Database Services can update missing or out-of-date information to help you accomplish your business objectives.

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Identify When Changes In Behavior Can Lead to Opportunity

Maintaining your loan portfolios means knowing when your customers may be looking for additional products or services - even if they don't know it yet. By leveraging targeted information, you can be notified when certain "trigger" events occur, allowing you to capitalize on an opportunity, or collect on an outstanding debt.

Account Monitoring
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Account Monitoring works like an early warning system by putting an electronic tag on your customers at the bureau level and allowing you to watch for certain events or predefined behaviors – and then act fast when they occur.

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Collection Triggers
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Collection Triggers are dynamic, fully-customizable account monitoring solutions that quickly and effectively notify you when pre-determined events or consumer actions occur.

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Perform FICO Score Updates

Used for portfolio valuations, Portfolio Credit Review (PCR) provides a complete overview of your portfolio including summarized score ranges, average scores, and percentages of consumers that fall into certain score ranges.

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Make the Right Offer to the Right Target at the Right Time

PreScreen Marketing Solutions allow you to extend a Firm Offer of Credit to consumers that meet your unique lending criteria. By helping you to focus your campaigns on highly-qualified consumers, you can maximize your response rates and campaign return on investment.

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Portfolio Management Solutions

The Lien Report leverages property and credit information to allow you to analyze the loans in your portfolio to better understand your lien position vis a vie any other existing liens on a given property.

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Product Training and Topical Webinars

CoreLogic offers FREE credit and verification product training in addition to informative webinars on trending mortgage industry topics.  

Live Training Sessions

We offer numerous live training sessions on a wide range of topics each month. To view training times and sign up for a FREE webinar, click on a topic below. Sessions are updated monthly. We also offer pre-recorded, on demand versions of our live webinars if you cannot attend a session in person.

Understanding the Instant Merge Report Format
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On Demand Register

The Basics of Credit Scoring
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On Demand Register
CreditXpert: Score Simulation Tools
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On Demand Register
Rapid ReCheck: Fast Credit Score Updates
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On Demand Register

Credco.com: Features and Functionality
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On Demand Register
4506-T Direct
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On Demand Register
Verification of Employment
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On Demand Register
Strategic Marketing Solutions - Portfolio Management
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On Demand Register
Specialized Training
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If you are unable to participate in a WebEx session due to a time conflict, or have training needs not met by the scheduled sessions provided, please contact Ken Venables by calling (619) 938-7176 or email kvenables@corelogic.com.

When it Comes to Managing Risk, You Are Only as Good as the Vendor You Choose

The current regulatory environment is uncertain. Managing your compliance risk as regulations continue to evolve requires significant and ongoing investments – from you and from your vendors.

Over the past 6 years, CoreLogic has invested more than $1 billion on our:

People: attracting and developing the best
Systems & Processes: relentless drive for perfection
Products & Solutions: setting the bar for innovation and quality
Regulatory Expertise: committed to maintaining compliance leadership
Vendor Management: better service control, accountability, and overall governance for our clients

Choosing a low-cost provider that cannot afford to make these significant and ongoing investments may expose you to increased risk when confronted with expanding regulatory scrutiny.

When it comes to managing your compliance risk, you are only as good as the vendor you choose.