• Merged or single repository infiles are available within 15 to 30 seconds when ordered electronically.
• All infiles include the latest CREDIT score model for the best possible score accuracy.
• Infiles are available with a large range of format options.

Example

If you require an update to an infile, then take advantage of our Infile Plus Services. Again with our great Same Day service. For example:

• Landlord ratings
  
• Balance updates
  
• Mortgage ratings
  
• Public Records
  
• Add monthly payments
  

Here's more about our often praised NEXT DAY services.

1. Interview of each borrower.
   
2. Each borrower receives a copy of their credit report.
   
3. Two years employment verification.
   
4. Two years landlord rating.
   
5. Verification of all collections.
   
6. Detailed bankruptcy verification.
   
7. Deferred dates on all student loans.
   
8. Detailed hands-on public record and legal search.
   
9. Verification of all disputed adverse information.
   
10. Supplements: daily mailings and follow-up.
    

Credit Analyzer is a tool to provide the following to help improve your borrower's score.

• 1st actions to take to improve score
  
  
• Full Credit explanation
  
  
• The positive and negative factors that made up the score
  
  
• The top factors that make your score higher
  
  
• Estimated new score and score gain after action taken.
  
  
• The Credit Score Analysis Tool does NOT generate an inquiry, and has no adverse effect on current credit score.

Credit Analyzer Example

Credit Analyzer with CreditXpert Detective finds potential updates, even the ones that you may overlook. By scrutinizing the data within a particular credit report and comparing it against credit reports from the other bureaus.

• Looks for missing, outdated or incorrect information
  
  
• Determines likely replacement value
  
  
• Checks value of any changes to determine what it's worth to the score, if the change is not going to be of value to the score it will not alert you to correct.
  
  
• CreditXpert Detective does the comparison for you so you don't have to examine every last detail of an applicant's credit files.
  

Credit Analyzer with CreditXpert Example

Take advantage of our "What-if Simulator", this will allow you to input different scenarios and find out what the projected result would be.

• Change balances.
  
  
• Add accounts to see the effect on the score.
  
  
• Close open accounts.
  
  
• Change staus of accounts (collection to paid, etc.)
  
  
• Estimated new score and score gain after action taken.
  
  
• No Inquiry.
  

What-If Simulator Example

Credit Assure automatically scans credit files to provide your customers with opportunities to raise credit scores. Credit Assure inspects every credit file ordered through CISCO's platform for potential score increases so that your customers don't have to do it manually. There is a free trial period for all our clients until the beginning of 2007.

Credit Assure Example

PRBC / Non-Traditional Credit Reports are used when traditional credit scores are unavailable for the borrower for any of the three major credit repositories and consumers with alternative credit history. It acts as a supplement to the traditional credit report.

Unlike traditional credit reports, Payment Reporting Build Credit (PRBC) report exhibits non-traditional historical payments (i.e. rent, utilities, telecommunications, cable television, insurance and other payments that are not reported to the 3 major repositories.)

The score range: 350 to 800.

The PRBC reports will also include a Bill Payment Score (BPS) that is generated based on payment history on non-traditional data and demonstrates the consumer's ability to pay on time consecutively.

Submit an online supplement request for a PRBC non-traditional credit report.

The PRBC data is combined with the traditional tri-merge report.

Turnaround time for PRBC reports is generally 3-5 bus days depending on information availability.

How to order and read these reports

Nationwide Total Flood Services is one of the leading national flood vendors in the United States offering a host of flood products and services.

• Basic and Life-of-Loan
• Flood Plus
• Flood Map Copy
• Loan Portfolio and Compliance

Census Tract and HMDA data is included with Life-of-Loan
Flood Insurance Quotes when "Flood Positive"

Flood Example

W-2 Retrieval Product - Get your borrowers W-2's in 2-7 days.

The 4506-T123 allows you to verify a borrowers income with U.S. tax records. Deliverable through our secure online system in 1-2 business days direct from the IRS.
Setup form
Click here for a Sample

CISCO has come up with the ideal solution for lenders looking for a fast and simple bankruptcy document retrieval service. CISCO's BK-V Report gives lenders access to comprehensive data on their applicant's bankruptcy history.

Social Search delivers up to date name, address, and date issued information. This will confirm applicant information and detect potential fraudulent activity associated with a Social Security number. Also receive verification on maiden names, alias, misspellings, and consumers who have changed their identity.

Example

• Fraud check
  
• Free borrower dispute assistance
  
• Public record search
  
• Child support search
  
• 60 second Canadian credit
  
• International credit
  
• Flood Certification