Inclusive Per Applicant Model

Inclusive Per Applicant Model

Credit Reporting (per applicant)


  • 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
  • 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 from joint credit report)

* 2019 Increases Are As Follows:

  • $ 4.16 increase per applicant on trimerge credit reports
  • $ 1.00 increase per applicant on single bureau reports
  • $ 2.00 increase per applicant on two bureau reports
  • $21.50 increase per applicant on refresh reports*
  • CreditXpert Credit Analyzer has been replaced by CreditXpert Wayfinder, with an increase of $ .50
  • CreditXpert What-If Simulator will be increased by $ .50

*If refresh reports are included in your pricing, it will remain. If refresh reports are NOT included in your current bundle, the $2.00 increase applies.

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