Fast, Bureau Level Updates
When you obtain your client’s original source documentation from the credit grantor, simply forward it to First American CREDCO for validation by our credit specialists. Once validated,
it will be forwarded to the appropriate credit bureau(s) and processed within three to five business days.

Score Updates
When the update request has been completed, your client’s credit report will be re-pulled for verification. The new file can then be forwarded directly to you, or accessed conveniently online 24/7.

Rapid ReCheck will result in a recalculated FICO score. The score will reflect all of the updated information in the bureau’s file.

Score Factors
Four score factor codes are conveniently provided on First American CREDCO’s Instant Merge summary page. These codes are provided in order of importance, and can be used to evaluate
possible rescoring opportunities.

To help with rescoring, we offer CreditXpert, a credit analysis tool which can help you quickly identify which changes will have the greatest impact on your client’s score. This information can be used when ordering a Rapid ReCheck to get the best results for your client, and help you close more loans.