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
Our Instant Merge summary page includes four score factor codes – provided in order of importance – that can be used to evaluate possible rescoring opportunities. The information can be used when ordering a Rapid ReCheck to get the best results for your client.