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Search... search Solutions By Solution Underwriting Valuation Solutions Market & Prospect Intelligence Risk Management & Monitoring By Industry Property Rental Mortgage Real Estate Insurance Government All Industries Insights Store About Us About CoreLogic Our Company Careers News Events Investor Relations Contact US AU NZ UK Sign In The Nation’s Leading Provider of Merged Credit Reports Sign In Get Started Consumer Assistance Contact Credco Become a Customer Sign In Get Started Consumer Assistance Contact Credco Become a Customer Credit and Verification Solutions for the Mortgage Industry For over 50 years, CoreLogic has been offering credit reporting solutions to the mortgage industry. Today, we are the largest provider of merged credit reports in the United States - supplying information to 19 of the top 20 mortgage lenders. Credit Solutions Verification Solutions Portfolio Solutions Training Compliance Overview Credit Reports Non-traditional Credit Reporting Credit Supplements and Upgrades Credit Score Simulators and Rescoring Comprehensive LQI Compliance The Leading Provider of Mortgage Credit Reports for Over 50 Years CoreLogic is the industry leader in credit reporting solutions for the mortgage industry. In 1989, we revolutionized the industry with the introduction of Instant Merge®, the world’s first fully automated 3-bureau merged credit reporting solution. Today, we continue to identify new technologies and create new products to help our customers make smarter business decisions across an ever-changing marketplace. The Industry's First and Most Widely Used 3-Bureau Reports Since 1989, the Instant Merge credit report has been the gold standard for 3-bureau merged credit reports, used and accepted by more lenders than any other report in the industry. We offer the Instant Merge report in several different formats depending on your business need. Instant Merge Learn More The mortgage industry's most widely used and accepted 3-bureau merged credit report. It is utilized by 19 of the top 20 mortgage lenders and is integrated on over 60 Loan Origination Systems. Instant Merge PreQual Learn More A non-decisionable, single-bureau, soft-inquiry credit report and FICO score. Instant Merge SoftTouch A soft-inquiry credit report approved by all three national credit bureaus for use in consumer counseling. Credit Score Disclosure & Notice to Home Loan Applicant Learn More Automatically delivered with every credit report or mailed directly to the consumer, our Credit Score Disclosure (CSD) and Notice to Home Loan Applicant (NHLA) are Fair and Accurate Credit Transaction (FACT) Act compliant and help you meet Risk-Based Pricing Notification rules. Letter of Explanation Learn More A convenient solution that allows you to request a more detailed written explanation from an applicant on specific areas of their credit report. Leverage CoreLogic Data to Improve Credit Decisioning When traditional credit reports are not enough, rely on CoreLogic non-traditional credit reporting solutions. Whether you are looking for a more complete 360-degree view of an applicant’s credit profile or for a way to evaluate your thin or no-file applicants, CoreLogic has a Fair Credit Reporting Act (FCRA) compliant non-traditional credit reporting solution for you. Anthem Learn More An FCRA-compliant credit report that delivers verified non-traditional credit data for thin and no file applicants. Product Upgrades for More Thorough Credit Analysis When you require additional details on an applicant’s credit report – beyond what is typically supplied in an Instant Merge, we offer a wide range of upgrades to help you conduct a more thorough credit analysis. Merge Plus Learn More A supplemental report that provides additional information on any flagged items from the Instant Merge report. Mortgage Only Credit Report Learn More Used to verify an applicant’s mortgage balance and monthly payment history. Make Fast Bureau Level Changes to Applicant Credit Reports Small changes to an applicant's credit report can impact their credit score. CoreLogic delivers solutions that help you to analyze an applicant’s credit report, simulate the effects of the proposed changes, and make bureau level updates within a few days. CreditXpert Learn More A suite of intelligent software solutions that help you uncover opportunities to improve an applicant’s credit score. Rapid ReCheck Learn More An efficient way to update inaccurate or outdated information on a credit report, often in just three to five business days. Maintain Compliance with Fannie Mae's Loan Quality Initiative CoreLogic delivers multiple ways to help you comply with Fannie Mae's Loan Quality Initiative. Whether you need to compare an applicant’s pre-qualification and pre-funding credit reports, want to monitor an applicant’s daily credit activity during the underwriting process, or you need insight into the loan actors in a given transaction, we have you covered. Overview Verification Solutions SCRA Compliance Red Flags Compliance Day 1 Certainty Verify Key Applicant Information and Protect Your Business Throughout the Loan Cycle The ability to quickly and confidently verify applicant information is more important than ever. CoreLogic offers solutions to help you validate applicant identity, income, employment and more while helping you remain compliant with key industry regulations. Verify Applicant Income, Employment, Identity and More CoreLogic offers solutions to help you efficiently and reliably verify applicant-supplied information and mitigate mortgage fraud. 4506-T Direct Income Verification Learn More A daily scan of your applicant’s credit profile that notifies you of any changes that could affect your lending decision. SSN Verification Learn More A direct and reliable way to access the Social Security Administration (SSA) for verification of an applicant’s Social Security Number. Employment Verification Learn More A reliable and streamlined way to verify applicant-supplied employment and income information. Asset Verification Learn More A fast and reliable way to verify applicant assets using our easy-to-use AI. Identity Verification Learn More A convenient and automated solution that helps you confirm an applicant’s identity and meet the compliance requirements for the Customer Identification Program (CIP) and the Red Flags Rule. Bureau Identity Alerts Learn More A convenient and reliable way to quickly confirm an applicant’s identity by validating their Social Security Number, address and telephone number. Score-Based Identity Verification Learn More A three-digit score indicating the level of identity risk associated with an applicant – the higher the score, the greater the probability of identity risk. OFAC Verification Learn More A quick and easy way to help you satisfy the USA PATRIOT Act’s Customer Identification Program (CIP), Office of Foreign Assets Control (OFAC) and Red Flags Rule compliance requirements. Verification of Military Status A quick and reliable solution to help you comply with the Servicemembers Civil Relief Act of 2003 (SCRA). Learn More Red Flag Solutions The Red Flags Rule requires you to implement an Identity Theft Prevention Program – a "written program to detect, prevent, and mitigate identity theft in connection with the opening of a covered account or any existing covered account". CoreLogic offers solutions to help you effectively meet key provisions within the Red Flags Rule. Learn More Day 1 Certainty IRS Income Tax Verification (Instant) Learn More Our 4506-T Direct service provides a simple, reliable way to validate applicant information, directly from the IRS. The result is an easy-to-read report with an actual IRS transcript that includes all schedules. Income Verification (Instant) Learn More If your borrower’s employer reports data to The Work Number, we will deliver instant employment and income verification. Income Verification (Manual) Learn More If your borrower’s emp...