Credit Services

Stay Informed and Reduce Risk

Make the most out of credit reports with specific, updated information. We confirm tradelines directly with creditors to produce reliable and timely information, so you can make quick, confident lending decisions. All our services are backed by expert customer support to help you understand and analyze information at every stage of your lending process.

Detect Fraud and Make Informed Decisions

Credit Reports
DataQuick provides a wide array of easy-to-read credit reports including Infiles, Merged Credit Reports, Residential Mortgage Credit Reports (RMCR), Streamlined, Non-Traditional Alternative Credit, and Business Reports. DataQuick credit reports provide the inclusive data required to support informed decisions. We are fully integrated with many LOS and Underwriting systems. Reports may also be ordered via our easy to use website by single order and by batch processing. DataQuick credit reports are fully customizable with a variety of summaries, sort orders, and formats.

Red Flags Report
Provides key information in an easy to read one page summary. DataQuick instantly searches thousands of data sources for potential Red Flags, keeping you compliant quickly and effectively.

Fraud Products
DataQuick offers a wide array of fraud products to facilitate the best security practices and helps prevent loss due to identity theft.

Receive fast updates and verifications to make informed decisions using the most current information available on credit tradelines, public records, and inquiries. DataQuick supplies up-to-date information to ensure accuracy.

TRV Tax Return Verification
Fast, efficient, and reliable income verification directly from the Internal Revenue Service. DataQuick's solution enables you to validate borrower income; protecting you from mortgage fraud and default risk.

VOE Verification of Employment

DataQuick's Verification of Employment VOE service is designed to help you make sound lending decisions more confidently and ensure the integrity and objectivity of your loan.

VOM Verification of Mortgage
DataQuick knows the more information you have, the better the result. Obtain an in depth look at an applicant's financial situation by verifying their mortgage. If a mortgage is not listed on a credit report, this service can validate and add it to the report. You may include the payoff amount, credit history and other specific information.

SSN Verification
DataQuick's SSN Verification service authenticates the applicant's Social Security Number directly with the Social Security Administration. Stay compliant quickly and easily.

Build better relationships with your applicants by providing information to help them increase their credit scores. With the CreditXpert® suite of products, you can identify the critical factors and best actions to improve a borrowers' credit. Offerings include CreditXpert® Assure, CreditXpert® Essentials, and CreditXpert® What-If-Simulator™. Help empower your applicants to make better credit decisions while gaining confidence and knowledge in managing their credit.

Rapid Rescore
Get faster rescores to make more informed decisions. You'll receive tradeline information updated directly from the repository level for faster turnaround. You'll be notified instantly after updates are completed, letting you immediately re-pull files with current information and updated credit scores. Rescores are available on Merged Credit Reports and Residential Mortgage Credit Reports.

Risk Based Pricing Exception Notice Credit Score Disclosure
Stay up to date with recent changes in industry regulations. Let DataQuick assist you in your compliance efforts. The right disclosures at the right time - quickly and efficiently. Mailing services are also available saving you time and money.

Quality Control
DataQuick's Quality Control program provides credit reports, income verification, and employment verification. Our highly customizable Quality Control programs are designed to match your internal policies and procedures as well as agency guidelines.

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