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Credco™ Credit Reports

Credco™ Credit Reports

Most accepted credit reporting solution

Overview
Features
Pricing
FAQ
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Overview

Where credit transparency meets lending confidence

Credco Credit Reports are an industry staple, seamlessly integrated with over 60 top loan origination systems and point-of-sale platforms. Our prequal, tri-merge, and non-traditional options are backed by powerful data analytics, compliance tools and fraud protection, enabling you to get the reliable insights necessary to make confident lending decisions while significantly streamlining the underwriting process.

Additionally, we are the initial inventor and patentee of the tri-merge credit report, which provides a comprehensive view of a borrower's credit history, combining information from all three credit bureaus into one report, offering lenders a complete picture of creditworthiness.

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Protect your leads, prevents poaching

A soft credit pull, unlike a hard inquiry, allows you to have upfront conversations to determine if the potential borrower meets credit thresholds before investing in time and expenses downstream.

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Reduce cost and loan fallout

With our cascade model, you can transition between products based on custom triggers. For example, you start with Identity Verification and cascade to a one-bureau report. The borrower doesn't qualify, you cascade to a tri-merge report.

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Assess borrowers, mitigate risk

Mitigate your chances of loan fallout by assessing the creditworthiness of potential borrowers early in the process with a Prequal report. By using this report, you can determine what they may need to adjust before initiating the loan.

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Trended Credit Data initiative

Per the Fannie Mae® Trended Credit Data initiative, we deliver 24 months of historical data on borrower credit payments, including effective date, current limit, current balance, high balance, scheduled payment, and actual payment amount.

Features

Uncover the full picture behind every credit report

Obtain a current and balanced representation of your borrower’s credit history. Only the most up-to-date tradeline information appears on the report, giving you a more complete picture of your client’s credit history.

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Alert protection

Real-time monitoring of consumer credit activity throughout the loan process from initial credit pull to closing.

Recheck reassurance

Provides fast, permanent updating of national repository records – and an updated FICO score – so you can respond faster with the right loan products for your clients.

Supplement when needed

Access additional details on an applicant's report to resolve alerts or inconsistencies.

Configurable

PreQual, Preapproval and Home Equity specific options are available.

A professional young man using their computer to do a credit check.

Alert protection

Real-time monitoring of consumer credit activity throughout the loan process from initial credit pull to closing.

Recheck reassurance

Provides fast, permanent updating of national repository records – and an updated FICO score – so you can respond faster with the right loan products for your clients.

Supplement when needed

Access additional details on an applicant's report to resolve alerts or inconsistencies.

Configurable

PreQual, Preapproval and Home Equity specific options are available.

Request a demo
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60+ years

of being the pioneer and continued market leader in credit reporting

80+

loan origination systems and point of sale platforms have reports available on them

99.9% uptime

of our systems, means you get access to the most innovative credit reporting solutions in the industry, reliably and with confidence

Pricing
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What our customers are saying
Credco has proven to be superior in every way over [Provider A and B]. We are very, very happy with the service level we continue to receive, as Cotality Credco has made our service a much more enjoyable experience.
Cotality Customer
Cotality Customer
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FAQ

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How can I contact Credco Consumer Assistance?

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How can we help you?

Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.

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Trying to reach us by phone?

Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.

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Looking for support?

Visit our dedicated support page to find support for all our products.

Contact details

How can we help you?

Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.

‍

Trying to reach us by phone?

Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.

‍

Looking for support?

Visit the Cotality Credco resource center, your dedicated hub for product documentation, training, and support.

Contact details