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.
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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.