Undisclosed Debt Monitoring

This product allows you to monitor the mortgage applicants for any kind of activity on their credit report such as new trades, inquiries, public records and any similar type of activity during the loan application.

Instant VOE Via the Work Number

This product will confirm employment status instantly.


Consumer direct page is an online form where credit applicants can order their own credit report while talking to an originator at a branch location, while on the go, or even from the comfort of their home. By placing control directly in the hands of consumers , the process of applying for credit becomes simpler and more convenient than ever before.  Within minutes, applicants can provide their information agree to any necessary disclosures, and order their credit report for originators to immediately review. This incredible ease and efficiency makes SmartPay an indispensable feature for your customers in today’s market!

  • Charge the Company or the Borrower for the credit report. Borrower can input their own Credit Card information.
  • Send a copy of any disclosures and authorization straight to the applicant reducing compliance liability.


Credit Certification Course

Become a Certified Credit Expert, this course from NCRA
covering areas of the law regarding FCRA, FACTA Act, Gramm-Leach-Bliley Act,
Red Flag Rules and the National Credit Repository End User Regulations.
Passing the course will give you this Certification.


SmartSelect is a cascade Bureau selection option that allows the ability to configure
which bureau to order and upgrade based on a specific set of guidelines. Such as
criteria for Score, bankruptcy filing, delinquent child support, defaulted student loans, etc..

Tax Transcripts (4506-C)

Log in to Order a 4506-C

Advantage Plus Credit accelerates and simplifies the lending process while providing an unparalleled level of transaction securityand fraud prevention.

As compliance standards continue to rise, Advantage Plus Credit provides the industry’s fastest and most secure method of 4506-C income verification processing direct from the Internal Revenue Service.

  • Robust Technology
    Unique Features

    • Fastest turnaround times- 90% completed in 24 hours!
    • Reports red flag alerts
    • Easy online order tracking
    • Speeds the loan approval process


    • Eliminates errors and reduces delays
    • Reduces fraudulent activity
    • Helps avoid the guesswork of public and government agencies

    Expect Excellence Expect Results

    • Direct access to customer support
    • SSAE 16 Type II certified
    • Fair Credit Reporting Act compliant
    • Webinar user training
    • Processing questions answered immediately
    • Borrower data is secure from unauthorized users
    • Adheres to rigorous compliance standards
    • Easy implementation in multiple locations with no overhead

    Flexible Account Management

    • Unlimited users with various levels of authorization
    • Easily manage multiple branches and locations
    • Scales with your business
    • Reduces data entry time

    SSN Prime89

    • The only way to 100% verify a SSN directly through the Social Security Administration
    • Requires borrower’s consent
    • Provides “Match” “No Match” or “Deceased” result
    • Turnaround time within one hour
    • US Patriot Act Compliant
    • Fulfills FACTA Red Flag Rule requirements

    BK-V™ Report
    BK-V™ Report is the ideal solution for lenders looking for fast and simple access to comprehensive data on an applicant’s bankruptcy history.

      • Verifies if applicant filed bankruptcy
      • Indicates the type of bankruptcy filed
      • Shows the year discharged
      • Provides all schedules of bankruptcy
      • No borrower consent needed
      • Same day report delivery