top of page
Modern%20Neighborhood_edited.jpg
Credit Reporting
  •  Mortgage origination 

  •  Consumer collections 

  •  Auto lending 

  •  Automated valuation model 

  •  Installment loans 

  •  Small business 

  •  Commercial lending 

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

  • All credit reports

  • Credit Xpert suite

  • Credit analysis

  • Credit score improvement

  • Red flag compliance

  • Mortgage fraud protection

  • Flood zone determination

Our clients benefit from our "service first" expertise in analyzing consumer data.

 

Delivering personalized customer service, we efficiently assist your consumers during a tradeline update or supplement. Our credit services and fintech solutions will quickly assess an applicant’s creditworthiness with decisioning trees, risk scores, and powerful customization tools.

Service 1st is a participating member of the National Credit Reporting Association (NCRA) and the Consumer Data Industry Association (CDIA)

CREDIT REPORT TYPES

 Smart Select 
Single pull to a tri-merged report. Don't spend more than youne ed on credit report fees!

Streamline your costs by pre-qualify your applicant the most effective way using a cascading credit bureau report option: start off with a single bureau report and, only if the credit data meets your pre-loan criteria to qualify an applicant, then Smart Select upgrades to a tri-merge report. Learn more

 Single In-file Credit Reports 

Determine your borrower’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 at 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.

Contact us today to get started!

arrow

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 >

bottom of page