Upgrade Model
Credit Reporting (Individual or Joint)
Upgrade Report Upgrade is defined as a GSE Reissue or Supplement Request
Includes:
- Credit Report File
- Trade Line updates (supplement/alternative credit-no score impact)
- All Repository (Experian, Trans Union, Equifax) Secondary Use Fees
- FNMA/FMAC Reissue Fees
- Loan Origination Software (LOS) Third Party Fees – applies to 1 LOS system of choice
- Mortgage Preflight and Experian Precise ID Authentication AS1 Fraud Detection Tool
- FACTA Compliance Service (FCS) Risk Based Pricing Disclosures, certificated compliance and audit protection
- CreditXpert Credit Assure Automatically identifies opportunities to increase borrower FICO scores.
- CreditXpert Credit Radar Advanced credit and score analysis, score trend indicator, LQI Stress test, Red Flag detection tools
- FNMA LQI Comparison Report
- Unmerge Borrower (Remove borrower)
- Add Spouse/Co-borrower
2022 Pricing changes for your Upgrade billing model
Individual Tri-Merge report increase:
$3.50
Joint Tri-merge increase:
$3.50
Refresh increase:
$3.00
Joint Refresh increase:
$3.00
Upgrade Fee increase:
$5.00
Credit Wayfinder increase:
$0.50
What-if Simulator increase:
$0.50
LexisNexis Liens & Judgment reports increase:
$2.50
2022 Pricing changes for your Upgrade billing model
Individual Tri-Merge report increase:
$3.50
Joint Tri-merge increase:
$3.50
Refresh increase:
$3.00
Joint Refresh increase:
$3.00
Upgrade Fee increase:
$5.00
What-if Simulator increase:
$0.50
Credit Wayfinder increase:
$0.50
LexisNexis Liens & Judgment reports increase:
$2.50