Our Solutions
Mortgage Credit Products & Solutions
25+ products purpose-built for mortgage lenders — from tri-merge reports to compliance, from rescoring to borrower retention. One partner. Everything you need.
Credit & Rescoring
Reports, Scores & Optimization
Credit Reporting
FCRA-certified tri-merge reports from all three bureaus in under 30 seconds. LOS-integrated, fraud-protected.
Learn More →SmartPay
Borrower-paid credit report ordering. The borrower e-signs authorization and pays for their own report through a secure link, at $0 lender cost on every pull.
Learn More →Score Express℠
Expert rapid credit rescoring — 23.9-point average FICO® increase in less than 72 hours. Free file analysis.
Learn More →SoftQualify℠
Soft-pull pre-qualification with no impact on FICO® scores and zero trigger lead exposure.
Learn More →FICO® Score Mortgage Simulator
Model the impact of credit actions on FICO® Scores 2, 4, and 5 before committing to a rescore.
Learn More →ScoreNavigator™
Mortgage credit management platform with action plans, score simulators, and a borrower portal.
Learn More →Vision℠
Screen applicants against your criteria before pulling a full report. Eliminate wasted credit pulls.
Learn More →Trigger Proof℠
Education program teaching lenders how to protect borrowers from trigger lead marketing.
Learn More →Ancillary Services
Verification, Compliance & Risk
Comply+ Fraud Detection Suite
Turn-key fraud detection and compliance — FCRA/FACTA, BSA, FNMA LQI, risk-based pricing, SSA-89 verification.
Learn More →Undisclosed Debt Monitoring
Daily alerts on borrower credit activity between application and closing. Protect against last-minute surprises.
Learn More →Tax & SSA Services
4506-C tax transcripts, IRS 8821, and SSA-89 identity verification — all from one platform.
Learn More →Verification Services
Employment, income, and deposit verifications with trade line updates included.
Learn More →Flood & AVM
FEMA flood zone determinations, life-of-loan monitoring, and automated property valuations.
Learn More →Compliance
FCRA/FACTA compliance tools, risk-based pricing disclosures, and regulatory resources.
Learn More →Ready to Close More Loans?
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