Credit Services

1, 2, and 3-Bureau Merged Credit Reports

Provided in a consistent and easy-to-read format, the merged credit report contains credit history data on individual or joint credit applicants. LSI has the ability to access a one, two, or three-bureau combination of Experian, TransUnion and/or Equifax databases for national coverage. Upon receipt, data from each of the national repositories is then de-duplicated and merged into one concise report.

Merge Plus

A credit report consisting of data from one, two or three repositories plus updating or verification of specific information appearing on the report. The addition of credit history, employment information, and/or landlord verification can also be requested. Information can be added, verified or updated for 90 days from origination of the PRISM report. In other cases, such as additional repositories or scores, information can be added for 30 days. Information updated, added or verified can be returned to the customer in the form of a new report or a supplemental report. Price is on a per change basis.

Residential Mortgage Credit Report (RMCR)

In accordance with Fannie Mae, FHLMC, FHA and VA guidelines, LSI provides this standard verified credit report, consisting of data merged from two or three of the national repositories. All trade-line information is updated within 90 days of the current date, and public record information, two years of employment history and residency information are also updated and verified.

QuadMerge™ Report

Incorporates additional detailed information regarding the subject property, including property ownership data, public records information and property legal description obtained from LSI's 4th Repository™, creating a comprehensive composite of the borrower's credit profile and the subject property.