Overview
Credit Reports
Non-Traditional Credit Reporting
Credit Supplements & Upgrades
Credit Score Simulators and Rescoring
Comprehensive LQI Compliance
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.
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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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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.
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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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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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.
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.
A suite of intelligent software solutions that help you uncover opportunities to improve an applicant’s credit score.
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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.
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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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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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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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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