Insights That Deliver More Than Just a Score
Built for scale. Designed for service. Certified Credit is a nationwide mortgage solutions provider delivering credit reporting, verification, and risk management solutions to lenders across the country.
Insights That Deliver More Than Just a Score
Certified Credit offers a full suite of mortgage credit reporting tools designed to give you a clear, comprehensive view of your applicant in a customizable format that’s easy to interpret.
Pre-Qualification Soft Pull Report
Say “yes” with confidence with our Pre-Qualification Soft Pull report. Choose from one, two, or three bureaus and pre-qualify more prospects in less time and for less money.
Tri-Merge Credit Report
Get a comprehensive picture of your applicant’s creditworthiness with our Tri-Merge Credit Report. This customizable report empowers your efforts to make more loans in less time and with less risk.
Smart Select Report
Improve your closing ratio and save time and money with Smart Select. This solution filters out applicants who won’t meet your score criteria while moving those who do along through the process.
Refresh Credit Report
Ensure smooth sailing at closing and prevent fallouts with our Refresh Credit Reports. This solution monitors borrower activity throughout the loan process and alerts you to activities that could impact closing.
Mortgage Comparison Report
Prevent surprises at closing with our Mortgage Comparison Report. This solution allows you to quickly and easily spot any significant changes that could affect closing.
Business Credit Report
Our business credit reports equip you with the information you need to minimize business risk, make sound lending decisions, or affirm your choice of suppliers.
Why background checks?
DataCheck Services
It’s What You Don’t Know That Can Hurt You
Prevent fraud & risk from taking a bite out of your profitability
Mortgage fraud takes many forms and is more common than you may think. Do your part to prevent fraud at the earliest stages of the mortgage process with Certified Credit’s best-in-class fraud & risk mitigation solutions suite. We deliver the analytics and insights you need to spot and prevent fraud before it’s too late.
ADV-120 Fraud Report
Comprehensive, investor-approved verification of all borrower information that can be tailored to your organization’s risk tolerance levels.
Wire Transfer Fraud Report
CFPB and secondary market compliant solution that verifies the borrower’s bank account information and provides a status report on the settlement agent to combat wire fraud risk.
Liens & Judgment Report
Complete picture of your applicant’s unreported credit activities that identifies any liens or judgements to prevent foreclosure and default threats.
Undisclosed Debt Monitoring
Fully customizable notification system that alerts you to activity that may pose a risk to the loan process, such as new inquiries, late payments, debt-to-income increases, and more.
4506-C Tax Transcripts
Direct IRS connection that ensures borrower stated income aligns with verified tax return information to reduce risk of material income misrepresentation.
MERS Reports
Comprehensive search of all liens registered with MERS under the borrower and/or co-borrower SSNs.
ID Risk Review
Add-on report that summarizes bureau alerts appearing within the credit file, including:
SSA-89 Verification
Direct connection to the Social Security Administration provides crucial verifications of borrower Social Security information that reduces risk of loss from identity theft.
Mortgage Participation Report
Due diligence report, also known as exclusionary report, compares up to 20 names against various government exclusion lists to comply with LQI.
Flex ID Smart Select Shield
Verification of critical identity elements, such as name, address, date of birth, social security number, and phone status to help you spot and prevent fraud before it affects your portfolio.
Portfolio Review
A scan of your customer and applicant database to help you monitor the health of your portfolio, prevent early payoffs, and detect other risks before they impact your bottom line. No firm offer of credit is required.
Mitigate Risk & Ensure Loan Quality
Protect your investment of time and avoid surprises at closing
Now more than ever you need a reliable partner to help you effectively and affordably mitigate risk and ensure loan quality. Certified Credit offers a robust, holistic third-party verification solution that enables you to streamline critical due diligence validations, reducing underwriting time, and enhancing loan quality.
Comprehensive
Certified Credit’s full suite of verification solutions includes:
Reliable
You can count on Certified Credit to provide accurate, actionable information to enhance your underwriting process.
Compliant
Our verifications solutions conform to secondary market guidelines and LQI standards, enhancing loan quality.
Hassle-Free
We have numerous LOS integrations to offer a seamless ordering experience, or you can order directly through our customer portal.
We combine powerful technology, flexible pricing, and award-winning, onshore support to help TMC members streamline workflows, reduce risk, and deliver better borrower experiences without the tradeoffs of traditional providers. Our goal is simple: help you become more efficient, more effective, and more profitable.
Think of us as a
With more than 40 years of industry experience, we have always valued our reputation as a committed and reliable partner that’s invested in your success. Beyond reports, we’re motivated by people. Our team knows it’s about more than just numbers; what we value most is strong client relationships and the highest standard of customer service.
We Offer
Our nationwide Customer Service team of cross-trained, FCRA-Certified experts delivers real support when it matters most. 95% of calls are answered in 30 seconds or less, with an average Client Success pickup time of 10 seconds. Our team is 100% onshore and more than 25% fluently bilingual, because your borrowers deserve service without barriers.
Since 1986, Certified Credit has been the partner lenders trust. We bring a full spectrum of solutions from pre-qual to closing, backed by decades of innovation and a reputation for outstanding service. When you work with Certified Credit, you get more than a vendor. You get a mortgage solutions partner built to help you perform at every stage of the loan cycle.
