CoreLogic Credco is the nation’s number one provider of merged and specialized credit reports, processing over 90 million credit and related transactions annually. With access to one of the world’s largest consumer and business databases, CoreLogic Credco leads the mortgage; automotive; recreational vehicle; marine and other specialty credit and retail markets with a broad range of advanced business information solutions designed to reduce risk and improve business performance.
ENCOREThe industry's only 100% decisionable, FCRA-compliant consumer report.
Emerging MarketsAlternative credit services for broadening business opportunities.
LQI SolutionsHelps you maintain compliance and avoid loan buybacks, quickly and reliably.
Portfolio ManagementThe fastest, most reliable data tools for retaining business and minimizing risk.
Credit ServicesCredit reporting solutions from the nation’s #1 provider of merged credit reports.
Property & ValuationOne source for property information, homeowner data and real estate analytics.
Fraud & ComplianceInnovative solutions for protecting you and your business throughout the loan cycle.
Flood ServicesCustomized flood risk management solutions to help ensure compliance.
Consumer ServicesFree one-call consumer disputes resolution services.
CreditXpertProvides helpful insights, predictions and more through credit analysis.
Account MonitoringFast, reliable consumer activity notifications on credit file updates.
Portfolio Credit ReviewOverview of data and analysis results for portfolio valuations.
Batch & AppendFill in missing or out of date loan information that is critical to assessing risk.
Verification of Military StatusComply with the Servicemembers Civil Relief Act of 2003.
Collection TriggersQuickly and effectively track and monitor identifying information on unpaid accounts.
CredStar is a CoreLogic Credco ordering platform designed to provide innovative credit information solutions that meet or exceed your ever-changing business demands. One of the most flexible, customized, web-based platforms in the industry, CredStar is just one more way Credco provides you with multiple options to suit your specific business needs.
The Instant Merge credit report is the most widely used and widely available credit report in the mortgage industry. Currently, we offer Instant Merge on over 60 technology platforms. In addition, many of our other products, such as 4506-T Direct, FinalCheck and ProScan SSN are also available through a number of different platforms.
Listed below are the companies who currently support CoreLogic Credco products on their technology platforms. Don’t see a specific platform listed below? Give us a call and let us know where else you would like to see CoreLogic Credco products!
Click Here to Sign Up!
The Fair Credit Reporting Act ("FCRA") is the federal law that regulates the credit reporting industry. The FCRA determines when a credit report can be obtained and grants credit report access to companies which have a "permissible purpose."
The FCRA specifies those purposes as the granting of credit, the collection of a debt, the underwriting of insurance, employment purposes, for issuing a license as required by some government agencies or for a legitimate business transaction between a business and a consumer. Obtaining a credit report under false pretenses, or improper use of a credit report is a violation of federal law.
National Sales Office
P.O. Box 509124
San Diego, CA 92150
Phone: 800.255.0792 - ext. 1
Contact a CoreLogic Account Manager or the Sales Support Representative in your region.
Hours of Operation
Mon-Fri: 7am to 5pm (PST)
Sat-Sun: 8am to 4:30pm (PST)
Your CoreLogic Account Manager. Each region has Account Managers who can answer your questions and provide solutions.
Calls and issues to be resolved can include account set up, billing support, compliance, training, pricing, technical and software support issues, client setup changes, updates, policy, process questions, product, and service questions.
If you find a discrepancy, CoreLogic Credco can assist you. Just call our toll-free customer service number:(800) 637-2422. Our certified-fully trained counselors at the Quality Customer Service Center will explain how to handle the dispute.
There are guidelines provided by the Fair Credit Reporting Act (FCRA) (Section 611) to follow. In summary:
The dispute must be conveyed to the consumer reporting agency directly by the consumer.
The consumer reporting agency must, generally within 30 days, reinvestigate and record the current status of the information. (NOTE: A reasonable period of time is generally considered to be 30 days.)
If the information is found to be inaccurate or can no longer be verified, the consumer reporting agency must delete the information and notify the consumer.
If the reinvestigation does not resolve the dispute, then the consumer should directly contact the creditor and/or national repository(ies) to resolve the dispute.
The following statute of limitations have been provided by the Fair Credit Reporting Act (FCRA).
Mixed credit does exist in credit bureau data. A parent and adult child who share the same or similar names may develop mixed credit. This is compounded by sharing the same residence address or by having shared a prior residence address. (NOTE: using suffixes with a name such as James Dough, Jr. or James Dough III , as well as your birth date, may assist in eliminating mixed data.
Credit grantors may shorten, lengthen, or truncate account numbers when reporting to the credit bureaus. These deviations may be the result of software incompatibility between the credit grantor and the credit bureaus. For security reasons, creditors may also scramble account numbers.
The letters represent a code. The ECOA code designates who is responsible for each account and the type of participation for that account, as follows:
"Historical Account Status" is the month-to-month payment history which may list up to two years of a current or delinquent status. To read it, count from the left to right from the Historical Account Status "history date." Refer to the following list to interpret the numbers or symbols indicated:
Most credit grantors report to the credit bureaus on a monthly basis. Time requirements of creditors to prepare and transmit data to the credit bureaus vary. Time requirements of the credit bureaus to load the data into their computer systems also varies. The combined time requirements of creditors and credit bureaus may extend to several days, weeks, or months.
The word "current" represents the "Current Account Status" of the account at the time it was closed. (NOTE: If an account was 90 days delinquent at the time it was paid and closed, the "Account Status" would list DEL 90, not "current."
View our Instant Merge Sample Report
As part of our ongoing commitment to educate and inform mortgage industry professionals, CoreLogic Credco offers FREE online product training, in addition to timely information on mortgage industry topics. Training sessions are conveniently available via online Webinars and short tutorial programs.
CoreLogic Credco offers convenient online tutorials for our most popular training sessions. Sessions can be viewed at any time by selecting one of the links below. Be sure to check back often as new tutorials are added regularly.
CreditXpert/ Rapid ReCheck
We offer numerous live training sessions on a wide range of topics each month. View training times and sign up for FREE hosted Webinars.
The following FREE Webinar sessions are available to CoreLogic Credco customers this month. Join us live or watch a recording of one of our sessions.
This is a great opportunity for CoreLogic Credco customers to learn about features of the Credco.com web solution, how to read the Instant Merge report and our CreditXpert suite of score simulation tools and Rapid Recheck service. Don't miss out!
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 firstname.lastname@example.org.
19 out of 20 top lenders agree: CoreLogic Credco delivers innovative solutions that keep pace with today’s dynamic business climate.
For more than 50 years, our consumer information solutions have enabled the nation’s top lenders to make sound, agile business decisions. Today, we continue to identify new technologies, and create new products, to help our customers make smarter business decisions across an ever-changing marketplace.
Performance. Leadership. Superior Technology.
Ensuring data security and business continuity are our highest priorities. It’s why the nation’s top lenders choose – and trust – Credco when it comes to safeguarding the integrity of consumer data.
The Risk is RealIt only takes one headline to ruin your reputation, and potentially cost you millions. Protecting consumer information isn’t just good business, it’s our obligation to you and the consumers you serve.
Proven Systems UptimeWe maintain on- and off-site hot backup and disaster recovery systems to ensure a seamless and uninterrupted transfer of the credit information you need, when you need it.
FCRA-Certified Customer CareOur FCRA-certified customer care and technical support specialists are dedicated to helping you optimize our products to your best business advantage, and keep you connected for consistent and dependable data exchange.
Fill in the form below to have an associate contact you. A complete form allows us to respond quickly and appropriately. Information will be used only in responding to your inquiry.
By submitting this form I agree that CoreLogic may contact me at the email address I provided for information about products, services or insights. I understand that consent can be withdrawn at any time by clicking the unsubscribe link contained in email messages.