Certainty Home Loans Training Materials

UNDERSTANDING THE INSTANT MERGE REPORT FORMAT

Instant Merge was the mortgage industry's first 3-bureau merged credit report and has been the most widely used credit report in the mortgage industry since 1989. This tutorial will help you understand the data elements present in the Instant Merge Report, and will provide a general overview of credit and credit scores.

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CREDITXPERT: SCORE SIMULATION TOOLS

CreditXpert is a suite of score decisioning tools that can help your borrowers make smart financial decisions. This tutorial will walk you through the three CreditXpert tools: CreditXpert Detective, CreditXpert Essential and the CreditXpert What-If Simulator and how you can use these tools to help your clients find ways to potentially improve their credit profile.

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RAPID RECHECK: FAST CREDIT SCORE UPDATES

The Rapid ReCheck service from CoreLogic Credco can help you get bureau-level updates of incorrect or outdated information on a customer's credit report in three to five business days. This tutorial will walk you through the ordering process and how you can leverage this service to quickly correct any credit reporting errors.

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CREDCO.COM: FEATURES AND FUNCTIONALITY

Credco.com is the CoreLogic Credco ordering platform that you can use to order a wide variety of credit and verifications products and services. Learn how to navigate the website and see how easy it is to order products, get status updates, upgrade products and much more.

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4506-T DIRECT

Our 4506-T Direct service provides a simple, reliable way to validate applicant information – and with the fastest delivery times in the industry. 4506-T Direct provides an easy-to-read report with an actual IRS transcript that includes all schedules. Enjoy a convenient, reliable and direct automated connection with the IRS through portals for API integration and through multiple Credco ordering platforms.

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Additional Resources