1. Mortgage Credit Reports – Merged credit files, RMCR, trade line supplements, Fannie Mae and Freddie Mac Reports.



2. Rescore Tools – Creditxpert, Direct access to the three repositories Experian, Equifax and Trans Union. Our direct access to the bureaus allows changes to be made to individual credit files within 72 hours of submission. The borrower’s credit reports are then available to be accessed with the changes made and with new FICO scores.

Case 1 – Credit scores were 651, 655, and 632. United One Resources was able to rescore the borrowers credit reports to 707, 722, and 713. This improvement was the result of updating a revolving credit card balance.

Case 2 – Credit scores were 540, 522, and 536. United One Resources was able to rescore the borrowers credit reports to 612, 638, and 620. This improvement was the result of removing several rolling lates on two student loans which were incorrectly reported as late rather than deferred.

Case 3 – Credit scores were 575, 642, and 599. United One Resources was able to rescore the borrowers credit reports to 673, 726, and 714. This improvement was the result of removing current past due and recent late fees from a mortgage account which were incorrectly reported.

Mike McNamara – "The Credit Doctor"
Regional Vice President with 22 years of experience in the Mortgage Credit Reporting Industry. Mike has personally conducted thousands of rescores raising the credit scores on 80% of the time. Call Mike at 570-706-2840 or email him by clicking here.

Jen Dennison
Regional Account Executive with 24 years of experience in the Mortgage Credit Reporting Industry. Call Jen at 570-706-2958 or email her by clicking here.

Sean Higgins
Executive Vice President with 15 years of experience in the Mortgage Credit Reporting Industry. Call Sean at 570-706-2830