Credit Reports

With a key focus on mortgage credit, MFI Credit Solutions offers a full range of credit reporting options and services to meet your needs from single bureau in-files for pre-qualification to tri-merged credit reports that are accepted by major loan decisioning engines to manually verified Residential Mortgage Credit Reports (RMCRs).

All reports can be ordered via our state-of-the-art Web System or through the Loan Origination System (LOS) or wholesale underwriting engine of your choice.

With the constantly changing landscape of the mortgage industry, it is important to choose a provider who has the knowledge and experience to back its products. When you order an MFICS credit report, you can be assured that the data you receive has been run through merge logic approved by the nation’s top lending institutions, including Fannie Mae, Bank of America, and Chase to name a few.

Additionally, MFI Credit Solutions provides supplementary products and unmatched customer service to ensure you are fully supported in your credit needs. Whether your borrower has perfect credit and all you need is a mortgage rating, or if your borrower has blemished credit and you need to identify areas for improvement, MFI Credit Solutions has the tools and resources to make your job easier.

• Fannie Mae: MFI Credit Solutions is a direct credit provider, and one of the first listed on Fannie Mae's automated loan software, Desktop Underwriter® and Desktop Originator®.
• Freddie Mac
• GMAC Residential Funding Corporation: MFI Credit Solutions is 1 of 4 direct credit providers to Assetwise DirectSM automated loan evaluation tool.
• Bank of America: MFI Credit Solutions is capable of delivering credit to Countrywide Home Loans

To see a list of additional lenders and loan decisioning systems that accept MFI Credit Solutions credit reports, click here.

The following credit reporting products are available from MFI Credit Solutions:

Premier
An automated tri-merged credit report generated by our proprietary merge engine.

Residential Mortgage Credit Report (RMCR)
A thorough tri-merged report, independently verified for complete accuracy and up-to-the-minute borrower data.

Non-traditional Borrower Reports
These reports evaluate credit risk on borrowers who may not have enough credit history in the repository's data in order for you to make an informed lending decision.

Streamlined Report
When all you need is a mortgage rating, the Streamlined report can provide you with just that detail.

Fraud Alert and Detection
A value-added service for our standard credit reports in order to provide you with heightened protection.
Our sales staff can assist you in determining the right mix of reports to solve your organization's specific needs. Also, be sure to inquire about our report customization capabilities.

Precise Id for Red Flags Compliance

Tenant Screening

Social Security Number Verifications