Upgrade Model

Upgrade Model

New Pricing Effective Date is January 1st, 2020*

Credit Reporting (Individual or Joint)
Upgrade Report Upgrade is defined as a GSE Reissue or Supplement Request


  • Credit Report File
  • Trade Line updates (supplement/alternative credit-no score impact)
  • All Repository (Experian, Trans Union, 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 Advanced 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:

  • $5.00 increase on ind. or joint tri-merge credit report
  • $1.00 increase on ind. single bureau reports and ind. two bureau reports
  • $2.00 increase on joint single bureau reports and joint two bureau reports
  • $5.00 increase on ind. or joint refresh report
  • $6.00 increase on upgrade fee

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