Credit Reporting

• Trimerge credit reports delivered duplicate-free in seconds. Alchemy technologies allow you to close loans others can't.
• Easy to read reports specifically designed to maximize credit re-scoring analysis and results.  
• Total integration with most every LOS and AUS system
• Complete data control – add or remove a spouse and/or bureaus or create a mortgage only report in seconds at no cost.
• Powerful administration tools monitor and control users and usage.
• Billing that works, simple to read, available anytime. Most importantly, no more duplicate charges…EVER.
• The most experienced and certified credit specialists and analysts available. Our staff has more rescoring experience than any other credit reporting agency.
• Business credit reports and Canadian consumer reports delivered in seconds
• Online tools designed to automate many reporting and compliance requirements (OFAC, fraud detection and prevention, FCRA and  FACTA compliance…)  

Credit Rescoring

• Rescore any file without documentation AND without having to pull a new tri-merge report.
• Credit Technologies pioneered credit re-scoring with the launch of Score Express in 1997. After 9 years and thousands of re-scored files, Score Express is the most successful credit re-scoring program available.
• The average score increase on a Score Express file is 30.2 points, (we frequently see increases in excess of 75 points.)  On 2/18/2004, a new re-scoring record was established with a 237 point credit score increase.
• No other credit reporting agency or credit repair company has our experience or the ability to make credit-challenged borrowers your satisfied clients.

CreditXpert

• Simply stated, CreditXpert is the most powerful credit score analysis tool ever created.

• Determine instantly the exact steps to take to improve your borrower’s credit scores, and know what the credit score change will be before re-scoring any file.

• CreditXpert instantly creates an action plan for credit score improvement plan that you can provide directly to your borrowers – clearly defining the steps to take to reach the credit score needed.

• Some changes that seem positive can actually harm your borrowers credit score (i.e. paying off certain collection accounts) in seconds CreditXpert will tell you what the credit score change will be before the update is completed, then use Score Express to update Trans Union, Experian and or Equifax for the permanent credit score change.

Automated Valuation Models (AVM)

• An automated appraisal complete with comp valuations delivered to your desktop in seconds.
• A wide variety of highly accurate programs are available through CASA and Basis 100. These are the same AVM solutions chosen by 20 of the nations leading banks to deliver fast, statistically accurate home valuations.  

IRS 4506 Tax Return, W2 Verifications, Bankruptcy, Divorce and Court Documents

• Up to 4 years tax returns and W2s or 1099s in as little as 48 hours.
• Perfect for those who cannot locate tax documents, or to lessen the documentation burden on any borrower.
• Copies of Bankruptcy, Divorce and Court documents delivered within hours

NetPay Electronic Debt Payoff and Report Updating                       

• A Credit Technologies exclusive, NetPay allows you to electronically payoff most any debt appearing on a credit report, and receive the updated credit report showing the zero balance within 2 hours of your request.
• No more over-nighting payments and hoping the credit bureau can quickly verify the payoff. NetPay eliminates all the hassle. 

Flood Zone Determinations                      

• Basic and Life of Loan Flood zone determinations are a click away. Order and delivery is completely integrated in our system and delivered in seconds from anywhere via the Internet.

CreditAPI        

• CreditAPI is a revolutionary new tool for pulling and storing credit data directly from the credit repositories through a simple Internet connection, and then delivering the data to most any application.  

We would like the opportunity to earn your business. Becoming a Credit Technologies member is fast and easy. Simply complete and fax the application and required documents. We can usually get you online in less than 72 hours.

Join Today, or for more information, call 800.445.4922, we’ll be happy to answer any questions you may have.