Products and Services
Credit Reports
Our reports are customizable to be as user friendly as possible. We take an interest in every credit report you pull and will help meet underwriter credit conditions to save time, cut costs and increase the volume of closed loans.
Soft Pull Report
Rapidly qualify your credit prospect with a no-impact, soft credit pull, this will not activate a trigger lead.
Tri-merge Report
This customizable report provides you with a high level overview of your applicant's creditworthiness.
Non-Traditional Report
When you come across a borrower with little to no credit you can use this to build a credit profile.
International Report
Provides you with the ability to obtain a credit report for your Canadian borrowers instantly through Equifax.
Score Improvement
If you have a borrower that isn't quite where they need to be to obtain an approval after pulling credit, ScoreNavigator's Mortgage Action Plan™ which includes access to the Target Score Simulator™ and Money Simulator™ tools will automatically identify opportunities for potential score increase and outline a plan of action for your borrowers to follow. You can also access their Manual Simulator™ to manually test various scenarios to see how they'll impact the credit scores before your borrower takes action. ScoreNavigator's one-of-a-kind platform will even tell you when to pull credit after accounts have been paid! Already a partner of ours and want access for your team? Click here to download and fill out the permission agreement and email it back to your rep or over to our Customer Success Team at support@myadvantagescore.com to gain access.
Automatically identifies opportunities for a potential score increase based off the amount of money you input.
Automatically outlines a plan of action for your borrowers to execute that will get you to your target score or higher.
Rapid Rescore
Update a tradeline at the bureau level to recalculate and increase the credit scores.
Verification
We have the ability to process our 4506-C Tax Return Verifications and SSA-89 Social Security Verifications in-house, no more waiting on a third party to process your request or follow-up days later to tell you there was an issue.
The Work Number
Verify a borrower's employment history and income within seconds.
SSA-89 Verification
Verifies the borrower's name, DOB and social match the SSA's records.
Tax Return Verification
Direct from the IRS, you can obtain up to the last 4 years of transcripts.
Tradeline Verification
Update existing tradelines to show ongoing creditworthiness for your borrowers.
Fraud and Risk
Ensure you have the the full picture of your borrower's credit profile by running our Liens and Judgement Report. Don't forget to setup Undisclosed Debt Notifications to monitor their credit report to minimize any surprises before closing.