Credit Reporting 
  • Various Credit Report Types

  • Credit Analysis

  • Credit Score Improvement

Quickly assess an applicant’s creditworthiness with decisioning trees, risk scores, and powerful customization tools.

Credit Reports | Credit Analysis | Credit Score Improvement


 Single In-file Credit Reports 

Determine your prospect’s creditworthiness from a single bureau soft pull prior to their loan application. Start off with a single bureau report and, only if the credit data meets your pre-loan criteria to qualify an applicant, then upgrade to a tri-merge report. Save time, resources, and money by establishing a borrower’s creditworthiness in the beginning of the loan cycle. 

 Tri-Merge Credit Reports 

Our intelligent Tri-Merge Credit Report engine provides nearly endless combinations, attributes and decisioning capabilities.  Leverage templates or create your own format and merge optional FICO, OFAC, Fraud, and ID.  Request 1, 2, or all 3 bureaus. 

View Sample Report  (with Credit Xpert® Credit Assure option)

 Business Credit Reports 

Providing corporate information on all types of verified businesses registered by the Secretary of State. Qualified income data sources including BBB report, state licenses, referenced credit history, and company net worth. Turnaround time averages 5 business days. 

View Sample Report

 QC Credit Reports 

Meet regulatory requirements with this soft inquiry credit report designed for loan servicers and QC companies.

Service 1st can provide you the best solutions with industry-leading turn times and price options.

Ask us about our proven results of processing VOE/I with the fastest turn time in the industry.

Let us help with a demo. Contact us today!


For your 20-day closings, ask us about INCOME+. A single page income determination report that standardizes income calculations using tax transcripts, W2s, and VOE data.

Try INCOME+ determination solution suite & save up to 40 FTE minutes | SEE PROMO DETAILS >