Inclusive Per Applicant Model

Inclusive Per Applicant Model

New Pricing Effective Date is January 1st, 2020*

Credit Reporting (per applicant)

Includes:

  • 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 from joint credit report)

* 2020 Increases Are As Follows:

  • $0.50 increase per applicant on tri-merge credit reports, ind. single bureau reports, ind. two bureau reports, and ind. refresh reports
  • $1.00 increase per applicant on joint tri-merge credit reports, joint single bureau reports, joint two bureau reports, and joint refresh report

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