Anthem Report

This powerful reporting tool delivers accurate, verified non-traditional credit data in an easy-to-use format that allows lenders to qualify and write more loans. The Anthem Report is accepted wherever alternative credit data is honored.

Capture A Broader Credit History

The Anthem Report first utilizes any available bureau data as a baseline when you order an Instant Merge credit report on a borrower who has a thin or no credit file. It then supplements any bureau data with non-traditional credit data, such as rent payments, utility bills and phone bills. The result is a fully compliant credit reporting solution that meets or exceeds mortgage loan underwriting and due diligence requirements, including the Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), Fannie Mae and Freddie Mac.

Serve A Broader Market

Anthem helps you build credit for new home buyers in a simple and compliant way, while meeting or exceeding lender loan requirements. FCRA-certified specialists research and verify all Anthem Reports, and work closely with you to ensure your level of understanding of the credit data so you can make sound lending decisions.

Rely on industry experts

Outsourcing your non-traditional credit needs with us means your staff doesn’t have to become experts in collecting and verifying non-traditional credit data. Instead, you can rely on knowledgeable, trusted processors for reliable credit information, which frees you up to focus on expanding your market and growing your business.

International Credit Report

Customized International Credit Reports are available using the Anthem suite of services.


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  • Qualify and write more loans on consumers with little or no credit history
  • Accepted wherever alternative credit data is honored
  • Completed in 24-48 hours. Make lending decisions faster and more consistently across all consumer files
  • Minimize training, cost and time of internal resources, freeing you for greater productivity
  • Protects originator and investor from fraudulent credit claims
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Customer Service

(800) 523-0233
Email Anthem Customer Service
Mon - Fri: 6:00 a.m. - 5:00 p.m. (PT)


Technical Support

(800) 423-1150
Email Anthem Technical Support
Mon - Fri: 5:00 a.m. - 6:00 p.m. (PT)
Sat - Sun: 8:00 a.m. - 4:30 p.m. (PT)
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