Inclusive Flat Model

Inclusive Flat Model

New Pricing Effective Date is January 1st, 2020*

Credit Reporting (Individual or Joint)


  • Credit Report File
  • Trade Line Updates/Supplements
  • All Repository (Experian, Trans Union and 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 Level One 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- 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

* 2020 Increases Are As Follows:

  • $0.75 increase on ind. or joint tri-merge credit report, ind. or joint single bureau, ind. or joint two bureau reports, and ind. or joint refresh reports

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