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Mortgage Credit Reports
For Instant View access for credit reports, click here.
United One Resources offers merged
credit reports through Experian, TransUnion and Equifax. Fannie Mae and Freddie Mac
reports are available for use through Desktop Underwriter/Originator® and
Loan Prospector®.
United One Resources' team has extensive experience processing tradeline
supplements, expedited disputes, verifications of mortgage or rent and residential credit
reports.
Like the entire family of United One Resources risk management
information services, our credit reporting services can be ordered online through
our login center located on the right hand side of this page. United One Resources'
mortgage report software is an internet-based platform compatible with most major
loan origination packages. Our website and its associated software allow credit reports
to be ordered through the loan origination software and allows the credit data to be imported
into the appropriate fields.
Residential Mortgage Credit Report
The Residential Mortgage Credit Report (RMCR) is a credit
tool processed to the strict specifications of Fannie Mae and Freddie Mac. Many times
an RMCR is required because the borrower's file is not complete enough to make a sound
lending decision. Tradelines are updated within 90 days and also provides employment
verifications. We also provide landlord verifications and verification of mortgage
at the lender's request.
Non-Traditional Report
This report is ideal for borrowers without traditional
lines of credit. We call creditors that don't report to the three national credit
bureaus and add the information to the credit file.
International Report
This report details mature credit history in another country
and is perfect for borrowers who have recently moved to the U.S. but haven't yet
established credit here.
Supplemental Report
Used when one or more trade lines need to be updated from a
credit file.
Verification of Mortgage
Used when updated balance and/or credit history is needed.
Verification of Rental
Used when present and/or previous rental and payment history
is needed.
Expedited Dispute Process
Credit bureau update within 72 hours with appropriate document
required.
CreditXpert Analysis
To explain each applicant's own, unique credit by identifying
good as well as bad factors impacting their credit, so you manage their expectations.
CreditXpert What If Simulator
Allows you to try different scenarios and find out how they
might impact the applicant's credit.
Business Report
This report accurately documents the credit history of a
self-employed borrower.
Due to technical and security requirements, you may be
required to upgrade your loan origination system to fully utilize United One Resources'
technical features. Our technical requirements include Microsoft Internet Explorer
with 128-bit encryption and Adobe Acrobat Reader. High speed Internet access is preferred,
but our systems will also work with a dial-up connection.
Need information on the Fair and Accurate Credit Transactions
Act of 2003? Please visit our Fact Act page for a summary
of responsibilities and a useful brochure to guide your compliance efforts.
A member of United One Resources' team would be pleased
to talk with you about this or any of our risk management information services in
more detail. Please contact our office at 800-WE-CLOSE, ext. 2839, or send an e-mail
to info@unitedoneresources.com.
If you are a consumer, please visit our consumer
page for more information on mortgage credit reports.
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