Credit Information
Our Credit Information segment is a leading provider of credit and finance solutions to the mortgage, automotive, and consumer finance industries, and the nation's leading provider of subprime consumer credit information. These companies gather and package consumer credit information into products needed by a variety of businesses and consumers in decision-making and underwriting processes.
Mortgage and Home Equity Financing
Mortgage and Home Equity Financing
First American CREDCO provides the market’s only full-service credit solutions partner for your mortgage and home equity financing needs. Our industry-leading service gives you immediate access to credit information from all three national credit bureaus (Equifax®, Experian®, and TransUnion), combined into one easy-to-read report. Our flagship product, Instant Merge®, helps businesses make faster, more reliable credit decisions.
In addition to credit reports, First American CREDCO offers a variety of information products and services that can enhance the efficiency of your business.
Products & Services
Credit Reports
- Instant Merge® - Instant credit informational from all three bureaus
- Merge Plus – Verification on up to three items from Instant Merge report
- Residential Mortgage Credit Report (RMCR) – The industry standard, offers fully researched credit tradelines
- Anthem Report – Assisting non-traditional homebuyers in Emerging Markets
Add-on Services
- Enhanced Decode Directory (EDD) – Delivers relevant creditor contact information
- Rapid ReCheck – Provides fast credit score updating
Fraud and Identity Theft Prevention Tools
- Fast Alert – Comprehensive fraud and identity theft detection
- OFAC Screening – Delivers OFAC alerts automatically with Instant Merge credit reports
- Social Screen – Verifies key applicant information
- Credit Score Disclosure – Provides FACT Act compliant documents with every credit report
- TRV Report – Verifies tax return information faster than directly from the IRS
Strategic Market Solutions for Loan Servicing
- Account Monitoring – Delivers alerts when there are "trigger" events
- Batch & Append – Compiled data of credit-specific trends
- Portfolio Credit Review – Provides overview data of your total portfolio and analysis results
Decisioning
- First American CMSI – A premier provider of credit automation software and services, including credit application analysis and decisioning
Automotive Credit Services
To make your auto financing process faster, easier and more comprehensive, look to First American CREDCO's Automotive Services. Our flagship product, Instant Merge®, gives you immediate access to credit information from all three national credit bureaus - Equifax®, Experian®, and TransUnion - combined into one easy-to-read report.
Instant Merge is available via numerous F&I computer systems, as well as through our proprietary software and the Internet. Auto dealers who use the Reynolds & Reynolds ERA system can also access credit reports using our CreditMaster® product.
In addition to credit reports, First American CREDCO offers a variety of information products which can enhance the efficiency of your dealership and help increase your profits.
Products & Technology
Credit Reports
- Instant Merge® - Instant credit information from all three bureaus
- CreditMaster® - Credit reports for Reynolds & Reynolds auto dealers
- Credit Scores – Standard, auto-specific and bankruptcy scores
Identity Verification
- OFAC Screening – Automated alerts to aid in USA PATRIOT Act compliance
- Fraud Tools – Protect your business and your reputation
Additional Tools
- Portfolio Solutions – Business intelligence from the industry leader
- TitleGuard – Vehicle Title Insurance
Specialty Credit Markets
First American CREDCO provides credit reports and other products and services to the following Specialty Credit Markets:
- Manufactured Housing
- Boat/Marine
- Recreational Vehicles
- Consumer Finance and More
Whatever line of business you're in, First American CREDCO provides a superior credit reporting service for your consumer financing needs. Our flagship product, Instant Merge®, gives you immediate access to credit information from all three national credit bureaus - Equifax®, Experian®, and TransUnion - combined into one easy-to-read report. First American CREDCO offers credit reporting services to any business with a permissible purpose to access consumer credit data in compliance with the Fair Credit Reporting Act.
In addition to credit reports, First American CREDCO offers a variety of information products which can enhance the effectiveness of your business.