CoreLogic Credco

The Nation’s Leading Provider of Merged Credit Reports

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Regular maintenance scheduled for 12/12/2018 11:00 PM – 12/13/2018 4:00 AM Pacific with intermittent downtime during the update window.

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.

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.

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

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

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.

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

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.

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.

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

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.

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

Used to verify an applicant’s mortgage balance and monthly payment history.

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.

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

An efficient way to update inaccurate or outdated information on a credit report, often in just three to five business days.

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.

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.

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

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

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

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.

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

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.

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.

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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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 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.

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

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.

Training Sessions

We offer numerous 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 webinars if you cannot attend a session in person.

On Demand

On Demand

On Demand

On Demand

On Demand

On Demand

On Demand

On Demand

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.

CoreLogic Has Invested More Than $1 Billion in Our:

People

People

Attracting and Developing the Best

Systems and Processes

Systems and Processes

Relentless Drive for Perfection

Products and Solutions

Products and Solutions

Setting the Bar for Innovation and Quality

Regulatory Expertise

Regulatory Expertise

Committed to Maintaining Compliance Leadership

Vendor Management

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.