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Our ServicePlus and Mortgage reports include the Credit Score notice
and/or the a Risked Based Notice,
Denial Letter (Adverse Action Notice), Profile and Derogatory Summary, Experian OFAC Search,
List of Creditors, the Consumer Copy of the credit report and a pre-populated form 1003 at no additional charge.
Merges reports are just that. You can pull an Experian, TU and/or an Equifax credit report and
You can now order and receive your Consumer credit reports (ServicePlus) or Merged Mortgage and RMCRs over the internet.
First you need MS Internet Explorer 6.0 for MS Windows or Google Chrome if you use a Macintosh.
Second, you must have your user name and password. If you are
not already a member, you need to sign a Service
Agreement and a request of online authorization.
When you order a report, you will get a merged report within 30 to
seconds. You can print it out and review it.
About the only services we won't offer are Voice Mail, a Menu phone
system or an answering machine.
When you call us you will get someone to help you!!
Fees for our Online Mortgage Reports for Dues Paying Members:
|Individual||Ind. with Credit Scores||Joint||Joint with Credit Scores|
|Single Bureau Experian||$ 2.90
||$ 3.60||$ 5.80||$ 7.20|
|Two Bureau Exp/TU Merged
||$ 6.15||$ 7.50||$12.30||$15.10|
|Three Bureau Merged||$12.15||$14.25||$19.00||$23.20|
|Other Mortgage products:
||Flood Life of Loan:
||$10.00 per person per bureau
||What if Simulation:
||$ 6.00 per person per
|4506-T Income Tax
||$15.00 for 1 year
||$20.00 for 2 years
||$25.00 for 3 years
||$55.00 per tradeline per bureau,
verification or Tradeline verification
||$100.00 Property Reports
|$ 2.00 Comparison Reports
|$ 2.50 Fraud Shield
I. D. Risk Review
|$65.00 Fast & Legal
If you wish to upgrade to a RMCR, the fee is $28.00 (in addition to
the merged fee.)
If you sell your mortgage loan, you can go to our web site and transfer the certificate to the new owner of the mortgage.
There is no extra fee for transferring the certificate.
If you are not set up to get your Life of Loan
from us, CALL US TODAY. 888-852-2574.
of Merged and Mortgage products
FAAM - Facta Act Automatic Mailing & Risk Based Lending Notice $ 3.00. No need to worry if your Loan processors have complied. We will mail the Score Notices and the Risk Based Lending notices for you each day.
Red Flag: Experian Fraud Shield and ID Risk Review and TransUnion Hawk/Fraud Search.
IDV - Identification Verifications: Experian Soc. Sec. Search and Level One Authentication Services.
Credit Assure: This service tells you the potential score increase.
Credit Radar: This service tells you what the score will be in 30 days if nothing changes or what it will go down if new accounts are opened or charges added.
Credit Expert: Detailed report on what is good and bad and why for each trade line. It also tells the consumer what needs to be done to raise the score. (This does not make you a credit counselor. You are telling them what needs to be done, not how to do it.)
What if Statement: The allow you to examine each trade line and adjust it’s balance or status and see the resulting change in their score.
Refresh Credit Reports: A new report, but it does not count against the consumers credit score.
Comparison Report:. Compares, line by line, the current credit report to previous reports.
Unmerged Reports: Allows you to remove one borrower and create a new file number.
Application Data Validation Report: ID Investigation, Address History, bankrupties, Subject Property, FHA HPI estimated value, FEMA declared disasters, Perticipant validation, Employer ID, Summary of findings
ID Investigation Report: Name, address, Phone, SSN, Death Master File, DOB, OFAC, FinCEN, Risk Score, Suspicious address
Participant Report: Ensure all partiipants are not on key excluded party lists - OFAC-SDN, GSA-EPLS, HUD-LDP
Participant Monitoring, (fee/name/month) Daily monitoring of staff and vendors agaist the exception lists and appraiser license status
MERS SSN Lien Report
Occupancy Address History Report - List of current and prior
addersses and phone numbers for an individual.
Person Report: Detailed report on an individual - SSN,
DOB, DL Check, Name, AKA, Phone #s, address history, Property,
Bankrupties, liens, judgements, criminal records
4506-T Income Tax Verifications
R/E Property Tax Payment Verifications
MCL interfaces with most loan origination software (LOS),
including Fannie Mae, Freddie Mac, Point, Bytepro and ARTA
Flood determination and life of loan are available from four different companies: LPS , LERETA LLC, CBC or Wolters Kluwer. $18.00
Loans PQ, Xpress Accounts and LendingQB. Complete in-house and/or online system for opening and processing new loans, checking and savings accounts and storing the documentation.
Call us or e-mail us if you have any questions or need a service activated.