Credit Reports

  • “I can't tell you how much we've appreciated working with Partners and especially our Account Representative. Your team has made the idea of home ownership accessible to many of our clients with the extra services your company provides.”
    — J. Mottashed, Alpine Mortgage Planning
  • “Province Mortgage Associates, Inc. has been with Partners Credit for over 5 years. In that time, we've found their innovative products and customer service to be #1 year after year. Thank you Partners Credit!”
    — C. Amaral, Province Mortgage Associates, Inc.
  • “Partners provides great service and our sales representative is very hands on.”
    — R. Ward, Pinnacle Capital Mortgage
  • “Our company loves using Partners Credit. The reports are easy to read and our requests are handled quickly and professionally.”
    — VP Consumer Direct Lending, Phoenix, AZ
  • “The customer service is always above and beyond our expectations! Thanks for all that you do!”
    — J. Mottashed, Alpine Mortgage Planning
  • “I appreciate how simple the invoices are and the fact that they have been customized with the detail I need.”
    — R. Ward, Pinnacle Capital Mortgage
  • “We switched to another credit company and we literally had people threaten to quit and we switched back within 30 days.”
    — VP Consumer Direct Lending, Phoenix, AZ
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Partners Credit & Verification Solutions offers a wide array of credit report solutions to assist throughout the mortgage origination and closing process including unique solutions for ordering, retrieving and managing your credit reporting needs. Partners will customize a credit report package based your governmental and lender requirements and deliver via your desired technology interface, all with clear invoicing and flexible options. Our credit report options include:

Fully customizable tri-merge credit reports for qualifying borrowers including unique features like:

  • Easy to read data with flexible formatting for simplified review
  • Ability to add a borrower to individual reports already ordered
  • Split unneeded borrowers from joint reports
  • Order supplements and score updates directly from clicking on trade lines in question
  • Report Actions section easily links users to all credit related product ordering
  • Instant updated total pricing based upon ancillary product ordering
  • Create borrower invoicing reports based upon transaction history
  • Accessible via your LOS or Partners website
  • Accepted by Fannie Mae and Freddie Mac

Pre-Close Credit Report

  • A “soft inquiry” credit report pulled prior to closing to meet FNMA’s Loan Quality Initiatives, aiding in determining any new undisclosed borrower liabilities. Additional Compare Report available, comparing new and old reports for differences.

Derogatory Only Report

  • Converts your credit report into a view that only includes “derog” accounts that can be provided to the borrower for evaluation and investigation.
  • An additional service, Borrower Verification Reports, allows you to invite your customers to review self-selected portions of their credit reports via a secure web-based portal, eliminating the need to print, fax or scan. The result—faster feedback, greater accuracy and decreased wait times.

Spanish Credit Reports

  • Convert any existing credit report to a translated Spanish version

Business Credit Reports

Credit Reporting Services

Our credit reporting services allow you to manage your loans easily while closing more loans and getting the most for your borrower via our verification offerings and credit tools allowing score maximization.

CreditXpert Solution Suite

Credit Assure™

  • Scans each file so you don’t have to
  • Automatically examines every credit report
  • Provides score improvement provided on cover page of credit report

CreditXpert Detective™

  • Identifies inaccurate, missing and outdated information
  • Displays potential score improvement results
  • Provides detailed information on how to initiate a dispute with bureaus

CreditXpert Essentials™

  • Identifies best combination of actions to maximize credit scores
  • Pinpoints top positive and negative factors, as well as related tradelines
  • Finds the most cost-effective actions to improve scores

CreditXpert What-if Simulator™

  • Tests potential score impact of various scenarios
  • Safely tests options before you take action
  • Can be customized or used with predetermined scenarios

Trade Line Verification and Updating

Score Updates

  • Borrower credit data updated at the bureau level, having an immediate impact on borrower credit scores (3-5 days turn time)
  • Rush requests completed within 24 hours

Supplements

  • Fast, reputable and thorough updating of borrower accounts by our experienced and FCRA-certified staff

Bundling Capabilities

  • Partners looks to meet customer needs on every setup. We will look to bundle any desired products together facilitating easy one stop and one step ordering for our clients.