Refresh Credit Report
Ensure smooth sailing at closing & reduce buy-backs
A lot can happen between application and closing that can impact your lending decision. Protect your reputation and your investment of time with Certified Credit's Refresh Credit Report.
Solutions for Every Step of the Lending Lifecycle
Our Refresh Credit Report is part of a full suite of solutions that can take you from pre-qualification to closing. Using state-of-the-art technology and best-in-class analytics, we help you uncover and additional debts or credits and enable you to move prospects quickly and confidently from applicants to homeowners.
Our report checks for new inquiries, new liabilities, slow or missed payments, and other activity that could affect your borrower's creditworthiness.
Decrease Lending Risk
By pulling a credit refresh 10 days prior to closing you can discover undisclosed debt and new liabilities before closing, reducing your risk of fall out or buy-backs.
You determine how frequently you want to receive our easy-to-interpret notifications.
Our report helps you ensure the quality of your loans and compliance with secondary market guidelines.
Ready to Explore Industry-Leading Credit Reporting Solutions?
Whether you need a single bureau, two bureaus, or the industry-standard tri-merge credit report, our FCRA experts have you covered with automated prequalification solutions, mortgage comparison reports, refresh reports, and more. Learn how Certified Credit's full suite of industry-leading mortgage credit reporting solutions can help you uncover a comprehensive view of your applicant's credit-worthiness.
What is a Credit Refresh & Why is it So Important?
According to Equifax, 36% of borrowers who opened a new tradeline during the quiet period saw their DTI increase by 3% or more.[i] These additional debts can cause costly repurchase demands, increase loan fall out risk, and delay closing. Fortunately, credit refreshes can expose new debts before it's too late, while also bolstering your loan quality initiative (LQI) standards and help you meet GSE requirements.
More Than Just a Score
At Certified Credit, we deliver more than just a score. We provide industry-leading information and analytics with expertise and technology you can rely on to fuel your business.
- Credit Reports
- Fraud & Risk Mitigation
- Employment Screening
- Score Improvement Tools
- Third-Party Verifications
- Client Acquisition & Retention
- Tenant Screening
"I always appreciate the valued communication Certified Credit shows us. I have been on the processing side as well as the business development side and I never worry about how quickly the Certified team will get back to me."