Q. Can a borrowers FICO score be quickly improved?
A.The answer is yes. United One Resources has the
ability to enact changes to individual borrowers credit files at all three
credit bureaus within 72 hours. These changes can have a significant impact
on the individuals FICO scores. An increased FICO score can open the door
to more loan options and ultimately more closings.
Q. How does United One Resources improve FICO scores?
A. United One Resources is a premier provider of risk
management information services to lenders, credit unions, realtors and non
financial institutions. We offer a suite of products to First Mortgage Lenders
that help the lender close more loans.
We offer the following products for credit decisions:
Q. What success rate has United One Resources had in improving FICO scores?
A. United One Resources has found that we are able to
improve the FICO scores of our clients borrowers in more than 60% of our cases.
We have recently had these successes:
- Mortgage Credit Reports – Merged credit files, RMCR, trade line
supplements, Fannie Mae and Freddie Mac Reports.
- 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
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.
Q. Who do we need to contact at United One Resources to begin improving our clients credit scores?
A. United One Resources employs a team of dedicated
credit reporting professionals. Our sales and operations team have over 125
years of combined credit reporting and rescoring experience.
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.
Our sales contacts are:
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
Regional Account Executive with 24 years of experience in the Mortgage Credit
Reporting Industry. Call Jen at 570-706-2958 or email her by
Christine A. Dolan
Regional Account Executive with over 20 years of Regional and National account
experience in the Mortgage Industry. Call Christine at 570-706-2835 or email her by
Executive Vice President with 15 years of experience in the Mortgage Credit
Reporting Industry. Call Sean at 570-706-2830
Effective June 1st the Cumberland County PIN Certification fee is increasing from $10.00 to $15.00 per parcel.
Effective 04/10/2013 Monroe County will require a $10.00 PIN Certification Fee per Parcel Number per document.
The document recording fees for Berks County and Allegheny County have changed.
Effective October 3, 2011, the fee for each PIN certification in Lackawanna County, Pennsylvania will be $10.00. If a document contains multiple parcels, the cost for each PIN certification shall be $10.00 per PIN certified.
Effective 1/4/2010, the Lehigh County Recorder of Deeds will be charging a $10.00 fee for the parcel number certification on all documents being presented for recording.