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Instant Merge Upgrades
Product upgrades for a more thorough credit analysis

First American CREDCO’s Instant Merge, the most widely available and accepted merged credit reporting solution in the mortgage industry, offers a wide range of product upgrades to provide a more thorough credit analysis.

Product Highlights
  • Upgrades available when you require additional investigative items on an
  • Instant Merge report Search open balances, accounts in disputes, and more
  • Verify existing mortgage balances and monthly payments
  • Access credit information on complex credit histories
  • Historical credit information going back up to seven years on borrower and coborrower
Instant Merge Upgrades
 
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Merge Plus
Merge Plus is a supplemental report that provides details on one to three flagged items from the Instant Merge report. It saves you the time and expense of researching credit of borrowers who don’t need a full RMCR.

Business Credit Report
Designed to help you understand your risk, the Business CreditReport presents a current, objective picture of how a business handles its financial obligations. It includes trade payment experiences, public record information, company background and comparative data.

Builder Credit Report
Our Builder Credit Report is a fully investigative report especially designed for construction lenders. Structured similarly to a Residential Mortgage Credit Report, it reviews contract and builder information, including supplier, subcontractor, banking and client references.

Mortgage Credit Report
The Mortgage Credit Report, also known as Verification of Mortgage (VOM), is documentation of a borrower's mortgage payment history that is often required when applying for a loan. It’s used to verify existing mortgage balances and monthly payments, and to check for any late payments on the account.

Residential Mortgage Credit Report
The Mortgage Credit Report, also known as Verification of Mortgage (VOM), is documentation of a borrower's mortgage payment history that is often required when applying for a loan. It’s used to verify existing mortgage balances and monthly payments, and to check for any late payments on the account.

 
     
 
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