kewanee credit bureau   <----->  extras   <----->  Mortgage
 

        MERGED,  MORTGAGE, RMCRs

        AND FLOOD DETERMINATION


Log in here if you have received your password for on-line internet mortgage reports 

            WRITTEN REPORTS


A current, updated credit report is called a Residential Mortgage Credit Report (RMCR).

By Federal regulation, these credit reports must have information from at least two (2) of the three
national repositories (Experian, TU and Equifax).  The information must not be more than 3 months
old and employment must be verified.  The credit grantor requesting the report must have a signed
application authorizing the credit report.  If the credit grantor requesting the credit report is not the
lender, the Credit Bureau must contact the Borrower and verify the Employment, Address and
marital status of the Borrower.

Many financial institutions use the RMCR for business loans.  These make very good reports for loans
to small business men and women.  They provide updated and current information on the principle
borrowers of the small business.  Since many small businesses have little or no credit with Experian
Business Reports or other business reporting services, the RMCR is the prefect report for the owners
of small businesses.

Our Mortgage reports include the Credit Score notice, the Consumer Copy of the credit report and a pre-populated
form 1003 at no additional charge.

                   MERGED REPORTS

Merges reports are just that.  We pull an Experian, TU and (sometimes) Equifax credit reports and
combine (Merge) the information into one credit report. No information is verified in a merged report.
 
            ON-LINE WRITTEN REPORT FEES
KCB Information Services now offers MortgageCreditLink, the state of the art, online web site for Merged and RMCRs!!

You can now order and receive your merged and RMCRs over the internet.

First you need  MS Internet Explorer 6.0.

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 40 seconds. You can print it out and review it.
If you do not need anymore information or a RMCR you are done.

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!!
 
 

If needed, you have 30 days to order a RMCR.

Fees for our Online Mortgage Reports:
 
 


Individual Ind. with Credit Scores Joint Joint with Credit Scores
Single Bureau Mortgage $  3.00 $  3.70 $ 5.00 $  6.40
Two Bureau Merged 
$11.00 $12.40 $15.00 $17.80
Three Bureau Merged $14.00 $16.10 $17.00 $21.20
Other Mortgage products:



Flood Determination:
 $13.00
 Flood Life of Loan:
 $18.00
CreditXpert:
 $10.00 per person per bureau
 What if Simulation:
 $ 6.00 per person per bureau
Income Tax Verification:
 $25.00 for 1 year
 $35.00 for 2 years
 $45.00 for 3 years
Rapid Rescore:
 $55.00 per tradeline per bureau, per person
 $10.00  Employment verification or  Tradeline verification
 $25.00  AVMs
 $100.00  Property Reports
$2.00  Comparison Reports
 Refresh Reports
(soft inquiry)
 $1.00  Authentication Services
 $2.50  Fraud Shield and I. D. Risk Review
 $65.00  Fast & Legal Vesting

If you wish to upgrade to a RMCR, the fee is $20.00 (in addition to the merged fee.)
 

FLOOD DETERMINATION AND LIFE OF LOAN

We offer Life of Loan Flood Determination instantly on-line!

There is no need to fax and wait. Now you can get your certificate instantly.

           TRANSFERABILITY!!
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 determination from us,  CALL US TODAY.  888-852-2574.