To most lenders, the credit report and the FICO score are the answer. To our clients, they are the starting point. We turn the same mortgage credit report into closed loans others miss: pricing tiers cleared, referral partners won, borderline files rescued, and out-of-pocket cost cut. The bureaus and the scores are table stakes. The advantage is what we build around them for the way you lend.
More closed loans for 15,000+ mortgage professionals, since 1990.
Every credit reporting agency pulls the same three bureaus and the same scores off the same rails. So most of them compete on the only thing left, price, racing to shave a dollar off the report.
We think that is the wrong number. The cost of a credit report is the smallest lever a lender has, a rounding error against the revenue lost on a loan that does not close, or does not close as well as it could. The money is on the revenue side. So that is the question we compete on: not whether this loan closes, but what it takes to close it, and to close it better than anyone else can.
To everyone else, the FICO score is the story. To our clients, it is just the beginning.
On some files, the answer is volume you would otherwise lose, a borderline borrower one verified correction away from approval, or a referral partner you can finally say yes to. But the larger advantage shows up on the loans that were always going to close. The same expertise and the same tools move a routine file into a better pricing tier, a stronger offer, and a faster clear-to-close, and send the borrower away impressed, which is what earns the next referral.
We start by learning how your team actually lends, then build custom credit workflows around your process and train your originators through Credit Insight™to find those openings on every file. Yes, we lower your costs. But our biggest impact lands on the bottom line: more loans, more revenue on the loans you close, and more referral partners who keep coming back.
The report is the tool. More loans, closed better, are the goal.
The same connection that delivers your report can do more, so you solve conversion, fall-through, and cost without onboarding another vendor.
Most lenders know to call when a borrower is a few points from a denial. The bigger opportunity is the one most miss: the borrower priced at a 690 who is one verified correction, one phone call, and often one day away from a 700, the next pricing tier, and an eighth-point-better offer no competitor can match. Score Express delivers an average 23.9-point FICO®lift in 72 hours or less, mapped by an analyst averaging close to 20 years in mortgage credit. And the win compounds downstream: a better offer, a closed loan, and a REALTOR®partner who just got a victory and will send the next three. We invented rescoring in 1997.
A soft-inquiry report that returns what you need to pre-qualify a borrower at up to 70% less than a tri-merge, with no FICO impact and no trigger leads, so you can say yes to referral partners without burning cost on unqualified leads.
The borrower pays for their own report at checkout with no markup, so the cost leaves your P&L. Every order captures the borrower's e-signed authorization before the inquiry and stores it, so your permissible purpose is documented and audit-ready. And because it is a clean, branded, borrower-paid experience, SmartPay is a powerful way to win and keep REALTOR referral partners: you hand current and prospective partners a turnkey way to get their buyers qualified at no cost to your books, and earn more referrals for it.
The value above works because the report underneath it is solid. Every file includes:
Equifax, Experian, and TransUnion, merged with any FICO and VantageScore combination your program or investor requires.
Order without leaving Encompass, Calyx, BytePro, Blend, and 80+ LOS and AUS platforms.
OFAC, FACTA Red Flags, risk-based pricing notices, and identity verification keep every file audit-ready.
Every report includes ScoreNavigator or FICO Score Simulator summary tools, with the full suite of advanced score-improvement tools a click away. When you flag a borrower, a credit analyst in our Score Express division, averaging close to 20 years in mortgage credit, reviews the file by hand and maps the fastest path to a stronger score, at no charge.
A tri-merge credit report combines data from Equifax, Experian, and TransUnion into a single report, with the FICO and VantageScore models you choose. It is the standard mortgage lenders and investors use to qualify borrowers, because it shows every tradeline and every score on one file.
A single-bureau report shows one bureau and one score. A tri-merge consolidates all three, so nothing a program requires is missing. It includes every tradeline, each individual credit account such as a mortgage, auto loan, or credit card, across all three bureaus.
Mortgage lenders pull a tri-merge report and look at three FICO scores, one per bureau. The qualifying score is the middle of the three, not the average. On a joint application, the lender uses the lower borrower's middle score. These mortgage FICO models are not the same as the free scores most consumers see.
The mortgage industry uses specific versions: FICO Score 2 from Experian, FICO Score 4 from TransUnion, and FICO Score 5 from Equifax. They can differ by several points from a consumer-app score, which is why a borrower expecting a 740 can return a 710. Because the middle score sets both pricing and eligibility, a few points can move a file into a better tier.
A tri-merge credit report combines data from Equifax, Experian, and TransUnion into one report, delivering the scores you choose, from Classic FICO to VantageScore 4.0, that mortgage lenders use to qualify borrowers.
A single-bureau report reflects one bureau and one score. A tri-merge consolidates all three bureaus and the score models you select, so lenders see every tradeline and every score a program or investor may require.
Whichever you want. We deliver any combination across the three bureaus, from Classic FICO to VantageScore 4.0, and add new models as you adopt them.
Lenders use the middle of three FICO scores from a tri-merge report, one per bureau, based on FICO models 2, 4, and 5. For joint applicants, the lower borrower's middle score qualifies the loan.
Consumer apps usually show newer FICO or VantageScore versions. Mortgages use older FICO models (2, 4, and 5) required by Fannie Mae and Freddie Mac, which often differ by several points.
A tradeline is an individual credit account, such as a mortgage, auto loan, or credit card, showing the creditor, balance, payment history, and status.Full guide: What is a tradeline →
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