(click on each for details)
Automated Valuation Models (AVMs)
Meticulously filtered property records database and multiple, market-specific analytic approaches are used to estimate current market values for individual residential properties. In less than five seconds you can know the value of a property, if it exists, and the legal vesting, before you even start the application process. HVE, Basis100, CSW and more.
FACT Act Compliance
When a credit score is used to qualify a consumer for a mortgage loan, this federal law requires that a “Credit Score Disclosure” letter must be sent to the consumer within five days. CCI offers two approaches to this compliance requirement.
Flood Determinations
Flood Determination with Life-of-Loan service provides comprehensive monitoring of first mortgage loans from origination forward, minimizing risk and protecting investment.
Fraud Prevention Tools
We deliver powerful fraud checks from any or all three credit bureaus using borrower name, address and SSN provided at the time of inquiry. OFAC Check may also be included.
Merged Credit Reports
Customized and easy-to-read one, two or three bureau merged reports provide unique insight while reducing costs and streamlining processing. Available through DU, LP and many other AU and LO systems.
Non-Traditional Credit Reports
A PRBC Reportsm with FICO® Expansion® Score is a credit report from the nation's leading alternative credit bureau that contains active "non-traditional" monthly trade line data for rent, mortgage, utility, phone, insurance, and other recurring bill payments. A PRBC Report may be merged to contain in-file credit report information from Experian, Equifax, and/or TransUnion.
Rapid ReScore
A service that expedites the updating or correction of consumer credit information at the bureau level, allowing for a more accurate assessment of credit risk.
Additional layer of fraud prevention
Confirm physical appraisals
Credit file portability
Eliminate redundant data entry
Evaluate insurance needs
Identify negative risk factors
Improve client service
Increase client referrals
Increase number of closed loans
Obtain better terms for borrower