CredcoCredit.com User’s Guide - CoreLogicCoreLogic Credco does not make any representation or...

CredcoCredit.com User’s Guide

CredcoCredit.com

User Guide

ii

Statements Notice Reproduction or use of any part of this document without express written permission from CoreLogic Credco is prohibited. By accepting or using this manual and any related software and services provided by CoreLogic Credco, the recipient agrees to the following terms and conditions:

Proprietary Information This manual and any software contain confidential information constituting trade secrets of CoreLogic Credco. This manual is furnished to recipient solely to enable recipient to utilize for the product or protocol described herein for the purposes permitted under recipient's agreement with CoreLogic Credco (Subscriber Agreement), and recipient shall not use this manual or any software for any other purpose. Recipient shall make this manual available only to its employees who have an actual need to access the product or protocol described herein. Recipient shall not provide this manual (or any part thereof) to any third party. Recipient shall not reproduce this manual (or any part thereof) without CoreLogic Credco's prior written consent. At the termination of the Subscriber Agreement, or earlier at the request of CoreLogic Credco, recipient shall promptly return this manual (and any copies made by recipient) to CoreLogic Credco. Recipient shall take reasonable steps to ensure that its employees comply with the foregoing restrictions.

Release and Limitation of Liability Recipient releases CoreLogic Credco from any and all demands, actions, losses, costs, expenses, damages, liabilities, penalties, and other claims in connection with this manual, any software, or other products or services provided by CoreLogic Credco. In no event will CoreLogic Credco have any liability to recipient or any third party for incidental, special, consequential, or any other damages in connection with this manual, any software, or other products or services provided by CoreLogic Credco.

Disclaimer of Warranties CoreLogic Credco does not make any representation or warranty, express or implied, including but not limited to implied warranties or merchantability or fitness for a particular purpose, or as to non-infringement, with respect to this manual, software, or other products or services provided by CoreLogic Credco, nor are there any warranties created by course of dealing, course of performance, or trade usage, and CoreLogic Credco expressly disclaims all such representations or warranties. In addition, CoreLogic Credco does not warrant that this manual, any software, or other products or services provided by CoreLogic Credco will be free from errors, will meet recipient's needs, or will be provided on an uninterrupted basis.

Right to Return Recipient may indicate that it will not be bound by the foregoing terms by returning this manual to CoreLogic Credco within five days after receipt.

Registered Marks CORELOGIC, the stylized CoreLogic logo and CREDCO are registered trademarks owned by CoreLogic, Inc. and/or its subsidiaries. No trademark of CoreLogic shall be used without the express written consent of CoreLogic. TransUnion is a registered mark of TransUnion Corporation. References to TUC in this document refer to TransUnion. References to XPN in this document refer to Experian. References to EFX in this document refer to Equifax Credit Information Services, Inc. Microsoft and Windows are registered trademarks and Windows is a trademark of Microsoft Corporation.

User Guide

CredcoCredit.com

CONTENTS

CHAPTER 1: GETTING STARTED ..................................................................7

ABOUT THIS USER GUIDE ............................................................................7

LOGGING IN AND REQUESTING PASSWORD ASSISTANCE ..............................7

Logging In for the First Time .......................................................................... 7

Logging In Again ............................................................................................ 8

Requesting Password Assistance ................................................................. 9

CHAPTER 2: USER MANAGEMENT .............................................................11

USER TYPES AND PRIVILEGES ...................................................................11

UPDATING AND DELETING PROFILES ..........................................................11

Updating Profiles ......................................................................................... 12

Deleting Profiles .......................................................................................... 14

MANAGING USERS ....................................................................................15

Adding Users ............................................................................................... 15

Updating Users ............................................................................................ 19

Providing Password Assistance .................................................................. 20

Deleting Users ............................................................................................. 22

REQUESTING ACCOUNT MAINTENANCE ......................................................23

CHAPTER 3: ORDERING NEW PRODUCTS ..................................................25

4506-T DIRECT ........................................................................................25

Ordering Requirements ............................................................................... 25

Ordering Personal Tax Returns Singly ........................................................ 26

Ordering Personal Tax Returns in Batch ..................................................... 29

Ordering Business Tax Returns .................................................................. 33

Checking Order Status and Adding the Signed 4506-T Form ..................... 36

Resolving Problems with a Submitted Order ............................................... 38

Re-printing an Order .................................................................................... 38

ANTHEM AND ANTHEM INTERNATIONAL ......................................................38

BORROWER ACTIVITY REPORT (BAR) ........................................................42

Ordering Requirements ............................................................................... 42

Ordering BAR by Itself ................................................................................. 42

Ordering BAR with Other Products .............................................................. 45

Reaccessing or Reprinting a BAR Order ..................................................... 45

FINALCHECK (WITH EXCLUSIONARY LISTS) .................................................47

Ordering LQ with Exclusionary Lists ............................................................ 48

Ordering LQ Gap with Exclusionary Lists .................................................... 51

Modifying Participants in an Existing LQ or LQ Gap Report ........................ 55

iii

CredcoCredit.com

User Guide

Modifying Participants for the LQ Report .............................................. 55

Modifying Participants in the LQ Gap Report ........................................ 59

INSTANT MERGE .......................................................................................61

CSD MORTGAGE ......................................................................................64

INSTANT MERGE LQ AND LQ GAP (AND LQ CSD) .....................................66

LOANSAFE AND LOANSAFE FCRA .............................................................68

LOANSAFE COLLATERAL MANAGER ...........................................................70

LOANSAFE FRAUD MANAGER ....................................................................72

LOANSAFE RISK MANAGER .......................................................................75

THE PROSCAN PRODUCTS ........................................................................77

RMCR .....................................................................................................79

CHAPTER 4: MODIFYING EXISTING REPORTS .............................................82

ABOUT EXISTING ORDERS .........................................................................82

FINDING ORDERS ......................................................................................82

Search Criteria ............................................................................................. 82

The Search Results ..................................................................................... 83

UPGRADING ORDERS ................................................................................86

About Upgrade Products ............................................................................. 86

About Upgrading Orders .............................................................................. 87

CHANGING THE NUMBER OF BUREAUS IN THE INSTANT MERGE REPORT .....91

ADDING OR REMOVING APPLICANTS IN INSTANT MERGE REPORTS .............94

RE-ACCESSING ORDERS ...........................................................................96

REPRINTING ORDERS ................................................................................97

UPDATING UPGRADE ORDERS ...................................................................97

CHAPTER 5: CUSTOMER SERVICE ...........................................................101

ADMINISTRATOR INFORMATION ................................................................101

CUSTOMER SERVICE ...............................................................................101

iv

User’s Guide

CredcoCredit.com

CHAPTER 1: GETTING STARTED

This chapter provides the following:

A summary of the information in this User Guide. (See “About this User Guide,” this page.)

Information about logging in for the first time, logging in subsequently, and what to do if you forget your password. (See “Logging In and Requesting Pass-word Assistance,” this page.)

About this User Guide

This user guide describes how to use CredcoCredit.com to order and upgrade prod-ucts, manage users, and maintain your account. Specifically, it includes the following chapters:

“User Management” on page 11

“Ordering New Products” on page 25

“Modifying Existing Reports” on page 82

“Customer Service” on page 101

Logging In and Requesting Password Assistance

This section explains how to log in for the first time and register your computer while logging in, and how to log in again.

It also explains how to request password assistance if you forget your password.

Logging In for the First Time

Before you can log in, your administrator must create your user account in Credco-Credit.com. The Administrator sets your login ID as your e-mail address and gener-ates a temporary password, which you then receive in e-mail.

To log in, you must have a temporary password and your login ID. At the same time, you can register your computer so that CredcoCredit.com recognizes it when you log in. (However, if you use a public computer, you do not register that computer.)

Once you log in, you can change your password to one you prefer.

To log in for the first time, take these steps:

1. Go to www.CredcoCredit.com. The CredcoCredit.com Home page opens.

2. In the Username field under Customer Login, type your e-mail address, and click Login. The login page opens.

About this User Guide 7

CredcoCredit.com

User’s Guide

3. In the Password field, enter your temporary password, and click the Log In but-ton.

Tip You can copy and paste the temporary password from the e-mail you received that contains it. Be sure to copy only the temporary password and not any spaces before or after it.

4. In the Change Password page, enter your temporary password, a new password, and a confirmation of the new password.

Figure 1: Change Password Window

5. Click Change Password.

Logging In Again

Each time you log in, you must enter your login ID and your password.

To log in again, take these steps:

This procedure explains how to log in whether you use a registered computer or an unregistered one.

1. Go to www.CredcoCredit.com.

2. In the Username field, type tour user name. This must be the e-mail address your administrator set up in your account.

3. Click the Login button.

8 Logging In and Requesting Password Assistance

User’s Guide

CredcoCredit.com

4. In the Enter Password field of the login page that opens, type your password.

Figure 2: Login Page

5. Click the Login button. The Home page opens.

Requesting Password Assistance

You can request password assistance if you forget your password. However, if you attempt to log in more than three times using an incorrect password, you account becomes locked and your administrator must reissue a temporary password.

To request password assistance, take these steps:

1. Go to www.CredcoCredit.com.

2. In the Username field, type your user name. The Please log in page opens.

3. Click the Forgot My Password link at the bottom of the page. The Forgot Pass-word dialog box opens.

4. Type your username in the Username field.

A confirmation dialog box opens, and a temporary password is e-mailed to you.

5. Click the OK button. The Please log in page reappears.

6. Retrieve your temporary password from your e-mail and enter it in the Password field.

Caution If you copy and paste the temporary password from your e-mail, make sure you do not copy any spaces at either end of the password.

The Change Password page opens.

7. Do the following:

a In the Current Password field, enter your temporary password.

b In the New Password field, type a new password.

Logging In and Requesting Password Assistance 9

CredcoCredit.com

User’s Guide

c In the Confirm Password field, retype the new password.

4. Click the Change Password button.

5. In the Change Password Successful dialog box that opens, click OK.

The Home page opens.

6. Enter your user name in the Username field and follow the prompts to log in as you normally do.

10 Logging In and Requesting Password Assistance

User’s Guide

CredcoCredit.com

CHAPTER 2: USER MANAGEMENT

This chapter explains how to do the following:

Learn about user types and privileges (See “User Types and Privileges,” this page.)

Set up and manage profiles (See “Updating and Deleting Profiles,” this page.)

Set up and manage users (See “Managing Users” on page 15.)

Request changes to your company's account information (See “Requesting Account Maintenance” on page 23.)

User Types and Privileges

A user is anyone who uses the site. Users are grouped into profiles. These profiles cluster users by permissions. Users under one profile have site permissions allotted to that profile, plus permissions you assign the user when setting up the individual user account.

There are four types of users. These are called user roles. In some user roles, a user can manage other users or even other profiles. Others cannot.

Super (Company) Administrators can manage all users and profiles within a company.

Profile Supervisors can manage groups of profiles, which includes changing or deleting profiles.

Profile Administrators can manage users within one profile, which includes add-ing users or changing their information.

End users have site permissions only, and their assigned profiles determine spe-cific permissions.

Read the following sections to learn how to manage profiles and users.

Updating and Deleting Profiles

This section is for Company Administrators and Profile Supervisors.

CredcoCredit.com administrators add profiles for your company. You can then update the information within a profile or delete it altogether on the site. However, you can update or delete profiles only if your permissions allow.

This section explains how to update or delete profiles.

User Types and Privileges 11

CredcoCredit.com

User’s Guide

Updating Profiles

When you update a profile, you can change the tasks its users can do on the site, including the following:

Its features, such as Dynamic Access

Its available products, such as Instant Merge or RMCR

Its available Search criteria, such as SSN or Applicant Last Name

Any changes you make to a profile affect its users. For instance, if you disable Dynamic Access in a profile, users under the profile can no longer use this feature.

To update a profile, take these steps:

1. On the Home page, click the Administration tab.

The Administration page opens.

Figure 3: Administration Page

2. Click the Profile Administration tab.

12 Updating and Deleting Profiles

User’s Guide

CredcoCredit.com

A list of all profiles you can manage opens.

Figure 4: List of Profiles

3. Find and click the profile in the list.

The Profile Administration page opens.

Figure 5: Profile Administration: Update Profile

Updating and Deleting Profiles 13

CredcoCredit.com

User’s Guide

4. In the Profile Information fields, change the profile name, point of contact, or description.

5. In the Inherit Default Search Days check box, leave this option checked to use the date range for searching assigned to the company. Or, to change it, click the check box and then choose a date range from the list. Users can override this date range each time they search, if needed.

6. In the Profile Privileges section, under the Features list, select the features you want to add or remove.

7. In the Products list, select the products you want to add or remove.

8. In the Search list, choose the profile's allowed search criteria.

9. Click the Save Profile Information button. Your changes are saved and the list of profiles opens.

Deleting Profiles

When you delete a profile, you remove it from the site. You cannot delete a profile unless all of its users are removed and assigned to other profiles first. Only Com-pany Administrators and Profile Supervisors have permissions to delete profiles.

To delete a profile, take these steps:

1. On the Home page, click the Administration tab.

The Administration page opens.

Figure 6: User Administration Page

14 Updating and Deleting Profiles

User’s Guide

CredcoCredit.com

2. Click the Profile Administration tab. The Profile Administration page opens.

Figure 7: Profile Administration tab: List of profiles

3. Find the profile you want to delete in the list, and click the Delete button.

4. In the confirmation dialog box that opens, click OK.

Managing Users

This section includes the these topics:

“Adding Users,” this page

“Updating Users” on page 19

“Providing Password Assistance” on page 20

“Deleting Users” on page 22

Adding Users

To add a user is to create a user account and set up that user's permissions to use the site and order products. Only Company Administrators, Profile Supervisors, and Profile Administrators can add users.

When you add a user, you can set up the following:

Contact information

Login ID

Profile

User role

Account status (enabled or disabled)

Default search options

Product ordering rights

Managing Users 15

CredcoCredit.com

User’s Guide

Once you create the user account and enable it, the user receives a temporary pass-word by e-mail and she can then log in and register her computer.

If you create a user account and disable it, the user does not receive her login infor-mation until you enable the account.

To add users, take these steps:

1. On the Home Page, click the Administration tab. The User Administration tab opens.

Figure 8: User Administration tab

16 Managing Users

User’s Guide

CredcoCredit.com

2. Click the Create New User Button. The End User Administration page opens.

Figure 9: End User Administration Page: Adding a user

Managing Users 17

CredcoCredit.com

User’s Guide

3. In the User Information section, do the following:

• Type the user's first and last name.

• Type the user's user ID. If the message “Your Email address will be your username” appears below the field, you must enter the user's e-mail address here. This variable is set up at the profile level.

• In the Notification E-mail and Verify Notification E-mail fields, type the e-mail to receive notices about orders. For example, if this user orders an RMCR report, the notice is sent to this e-mail address.

• In the Phone and Fax fields, type the user's phone and fax numbers.

• In the Profile User Belongs To field, choose a profile. Remember that the user's ordering rights are largely determined by the user's assigned profile.

• In the Default Search Criteria section, choose the search criteria the user sees in the Search Transactions page.

4. In the Supplement and Verification Accounts section, do one of the following:

• Leave Use Profile Default selected.

• Click Override Profile Default, and choose an account number from the list.

5. In the Type of End User section, click one of the following:

• Super (Company) Admin

• Profile Supervisor

• Profile Admin

• End User

See “User Types and Privileges” on page 11 for information on user types.

This account number is the one users use to order upgrade products.

6. To allow users to order Instant Merge and other non-upgrade products, click Order Products

7. To add account numbers, do the following:

a In the Account Number field, type an account number.

b In the Password field, type the password for the account number.

c Click the Add Account button.

d In the Default Account # list, choose an account number. This number appears as the default when the user orders these types of products.

These account numbers are the accounts users use to order non-upgrade prod-ucts, such as Instant Merge and ProScan ID.

5. In the Loan Officer Code field, type a loan officer code.

Users can use the loan officer code to find reports later.

6. In the Branch ID field, type a branch ID.

18 Managing Users

User’s Guide

CredcoCredit.com

Users can use the branch ID to find reports later.

7. In the 4506-T Direct Account Info section, type the NCS number.

This number permits this user to order 4506-T Direct products.

8. In the User Options field, do the following:

• Check E-mail Temp Password to send the user the temporary password as soon as you save the new user account.

• Click Disable User to keep the user's account but prevent him from logging in until you activate the account.

• Click Inherit User Features From Profile to grant the user all the permissions of her profile.

9. To save this user and close the page, click Save & Close. To save this user and add another, click Save & Add Another User.

Updating Users

When you update user information, you can change any information about the user, including the user's assigned profile, account numbers, and product ordering options.

You can also disable a user's account. Disabling the user's account keeps the user active but prevents the user from logging in and using the site until you re-activate the account.

To update users, take these steps:

1. On any page, click the Administration tab. The User Administration tab opens.

2. In the Profile list, select the user's assigned profile.

3. In the Search By list, select a search criteria, such as Last Name, First Name or Username.

4. In the next field, enter the user's first name, last name, or user name.

5. Click the Search button.

Managing Users 19

CredcoCredit.com

User’s Guide

A list of users opens.

Figure 10: User Administration: List of users

6. Click the user you want to edit. The End User Administration page opens with the user's information.

7. Edit the fields on this page.

See “Adding Users” on page 15 for information about these fields.

8. To save the user's information, click Save & Close.

Providing Password Assistance

Only Company Administrators, Profile Supervisors, and Profile Administrators can provide password assistance.

You can reset a user's password if the user has locked herself out of the site or if she's forgotten her password. When you reset the password, the user receives an e-mail with a temporary password. The user must then change the temporary pass-word the next time she logs in.

To provide password assistance, take these steps:

1. On the Home Page, click the Administration tab.

2. (Company administrators and Profile Supervisors only) In the Profile list, select the user's profile, or select All Profiles.

3. In the Search By field, select a search option such as Last Name.

4. In the text field to the right, enter the user's information, such as the user's last name.

20 Managing Users

User’s Guide

CredcoCredit.com

5. Click the Search button. A list of users appears.

Figure 11: List of Users in a Profile

6. Click the name of the user in the list. The End User Administration page opens, which contains the user's information.

This image shows the user information fields.

7. Find the Password Assistance section of the page.

Managing Users 21

CredcoCredit.com

User’s Guide

This image highlights the Password Assistance section.

Figure 12: Password Assistance Section

8. Click Submit Password Assistance. The Password Assistance confirmation dia-log box opens.

9. Click OK.

Deleting Users

When you delete a user, you remove the user's account from the site. Only delete users whom you know do not need access again.

Tip To temporarily restrict a user's access to the site, such as if the user is off work for any length of time, disable the user's account instead. See “Updating Users” on page 19 to learn now to disable a user's account.

To delete a user, take these steps:

1. On any page, click the Administration tab. The User Administration tab opens.

2. (Company Administrators and Profile Supervisors only) In the Profile list, select the user's assigned profile, or select All Profiles to search all profiles.

Password Assistance section

22 Managing Users

User’s Guide

CredcoCredit.com

3. In the Search By list, select a search criteria, such as Last Name, First Name or Username.

4. In the next field, enter the user's first name, last name, or username.

5. Click the Search button. A list of users opens.

6. Click the Delete button next to the user's name.

7. In the confirmation dialog box that opens, click OK. The user is deleted.

Requesting Account Maintenance

To request account maintenance is to submit changes for the following information on your account:

Account numbers

Company address

Billing address

Primary contact information

Marketing contact information

To request account maintenance, take these steps:

1. On any page, click the Administration tab.

2. Click the Account Administration tab.

The Account Administration page opens. The Account Numbers tab is active.

Figure 13: Account Administration Page

3. In the Available Account Numbers list, select the accounts your Account Main-tenance request affects, and click the Add button.

Requesting Account Maintenance 23

CredcoCredit.com

User’s Guide

4. To remove account numbers, select them in the Selected Account Numbers list and click Remove.

To select more than one account number at a time, press and hold the Ctrl + Shift keys and click each account number, and then click Remove.

5. Click the Company Details tab and type the company name in the Company Name field.

6. To change your billing address, click the Billing tab and enter the address in the fields that open.

7. To change the primary contact person for the company, click the Primary Con-tact tab and enter the information in the fields that open.

To change the marking contact person for the company, click the Marketing/Updates Contact tab and enter the information in the fields that open.

8. Click the Account Numbers tab again.

9. In the Notes field, type the reason for the request.

10. In Reason for submitting a request, check at least one item.

11. Click the Submit button.

12. In the Success dialog box that opens, click OK.

24 Requesting Account Maintenance

User’s Guide

CredcoCredit.com

CHAPTER 3: ORDERING NEW PRODUCTS

This chapter explains how to order Credit, Fraud and Compliance, and nd Merge products.

4506-T Direct

By comparing an applicant's stated income vs. his or her personal or business tax return information as filed with the IRS, the 4506-T Direct product does the follow-ing:

Searches up to four years of IRS-verified data on the borrowers

Calculates a comparison between the borrower-supplied 1040 data and IRS data

Provides an optional Income Variance report, which indicates whether the applicant’s stated income is their likely actual income based on the tax return information

See the following sections:

“Ordering Requirements,” this page

“Ordering Personal Tax Returns Singly” on page 26

“Ordering Personal Tax Returns in Batch” on page 29

“Ordering Business Tax Returns” on page 33

“Checking Order Status and Adding the Signed 4506-T Form” on page 36

“Resolving Problems with a Submitted Order” on page 38

“Re-printing an Order” on page 38

Ordering Requirements

To order the 4506-T Direct for one applicant or multiple applicants at once, you must have the following:

The applicant's first name, last name, and SSN

The applicant's full address (for the pre-populated 4506-T form and cover page only)

The co-applicant's first name, last name, and SSN (personal returns only)

The applicant's (and co-applicant's, if one exists) gross income by a given pay period, such as monthly or annually

The IRS' 4506-T authorization form. (You can request a form pre-populated with the applicant's information when you order the report. You can then either upload the form later or fax this form with a custom cover page that helps track the order for you.)

4506-T Direct 25

CredcoCredit.com

User’s Guide

Ordering Personal Tax Returns Singly

Use the following procedure to order the product for one or two applicants who are part of the same loan deal.

1. Click the Order tab.

The Order New Products page opens.

Figure 14: Order New Products Page

2. In the IM Account Number and Non-IM Account Number lists, choose the account numbers for ordering this product.

Some users see only one account number in these lists.

3. In the Products section, click the 4506-T Direct check box.

26 4506-T Direct

User’s Guide

CredcoCredit.com

The 4506-T Direct ordering fields below become active.

Figure 15: 4506-T Direct Ordering Page

4. In the User Info fields, enter your lender name, phone number, and e-mail address.

For some users, these fields are filled in automatically.

5. In the Applicant Info section, choose Individual for one applicant, or Joint for two.

4506-T Direct 27

CredcoCredit.com

User’s Guide

6. To request the 4506-T form and cover page pre-populated with the applicant's information, click Create 4506-T and Cover Page.

You can download the pre-populated form later. You must then either upload the signed form, or fax the form and cover page to the fax number listed on the cover page.

7. In the Applicant Last Name, First Name, and SSN fields, enter the applicant's name and SSN.

8. In the Co-Applicant fields, enter the co-applicant's last name, first name, and SSN (if there is a co-applicant).

9. (For the pre-populated form and cover page only) Enter the applicant's full address.

10. In the Order 4506-T Direct section, choose the product type and complete the fields according to that option.

11. To order Income Variance, click the Income Variance Calculation check box in the Income section and do the following:

• In the Total Gross Income section, enter the applicant's stated income (as it appears on the 1003 form).

• In the Income Period list, choose the pay period for this income amount, such as Monthly or Annually.

(Some users see only one option in this list.)If you do not see the Income section, Income Variance is not an option on your account.

12. In the Upload Files section, click Browse to upload the signed 4506-T form.

If you requested the pre-populated form and cover page, the Upload Files sec-tion is not visible here. You must download the form, and then either upload the signed version or fax the signed form and cover page to the number listed on the cover page.

28 4506-T Direct

User’s Guide

CredcoCredit.com

This image shows a completed 4506-T Ordering page.

Figure 16: 4506-T Direct Ordering Page: Fields Completed

13. When you’ve completed the fields, click the Order Products button, and click OK in the confirmation message that appears.

Ordering Personal Tax Returns in Batch

To order the product for up to ten applicants at one time, called “batch ordering,” you must have each applicant's first name, last name, and Social Security Number. To add Income Variance, you must also have an applicant's total gross income for a pay period. You can order the product for Personal returns only.


User Info fields

Applicant Info fields

4506-T Direct products lists

Income Vari-ance fields

Upload Forms section

4506-T Direct 29

CredcoCredit.com

User’s Guide



2. In the Products section, click the 4506-T Direct Batch check box.

30 4506-T Direct

User’s Guide

CredcoCredit.com

The fields specific to the 4506-T Direct Batch product appear. Also, the Add Employment Info section opens, as this image shows.

Figure 18: 4506-T Direct Batch Ordering Page

3. In the User Info section, verify that your lender name, phone number, and e-mail address information is correct.

4. (Optional) In the same section, click Income Variance, to order the Income Variance component of the product.

Some users do not see this option, and others cannot request the product with-out Income Variance. This is determined by account settings.

5. Do the following for each applicant:

a Enter the applicant’s first name, last name, Social Security Number, and the loan number.

b If this is a Joint order, click the Joint button, and add the co-applicant’s first name, last name, and Social Security Number in the fields that appear.

c If you’re using Income Variance, enter the applicant’s total gross income in the Total Gross Income field, and then select either Annually or Monthly.

4506-T Direct 31

CredcoCredit.com

User’s Guide

(Do the same for the co-applicant if there is one.) For example, enter 6300 in the Total Gross Income field, and then choose Monthly to indicate this amount is the applicant’s gross monthly income.

d In the Products column, select one or more of the following: 1040, W-2, or 1099.If you select 1040, click Return Transcript, Account Transcript, or Record of Account in the list that opens.

e (Co-applicant option only) In W2 or 1099, select Joint to order the product for both applicants, or select applicant or co-applicant.

f In the Yrs Requested column, select one more of the following: 2009, 2008, or 2007.

7. When you have finished entering all information for the applicant, click the Browse button, and navigate to the applicants’ signed 4506-T forms on your system.

8. Click the Upload button.

The uploaded forms appear in the Uploaded Files section.

9. Repeat this procedure to add more applicants. To add more than five, click the Add Applicants button to open more fields.

32 4506-T Direct

User’s Guide

CredcoCredit.com

This image shows a completed 4506-T Direct Batch Ordering page.

Figure 19: Completed 4506-T Order Form

10. Click the Order Products button.

Your order is sent and a confirmation message appears.

Ordering Business Tax Returns

Ordering business tax return verification requires the business principal's tax payer name and tax payer ID.

User Info section

4506-T Direct batch ordering options

Upload Files section

4506-T Direct 33

CredcoCredit.com

User’s Guide



2. In the IM Account Number and Non-IM Account Number lists, choose the account numbers for ordering this product.

Some users see only one account number in these lists.

3. In the Products section, click the 4506-T Direct check box.

The 4506-T Direct ordering fields below become active.

Figure 20: 4506-T Direct Ordering Page

4. In the User Info fields, enter your lender name, phone number, and e-mail address.

34 4506-T Direct

User’s Guide

CredcoCredit.com

For some users, these fields are filled in automatically.

Figure 21: User Info Section: 4506-T Business Returns

5. To request the 4506-T form and cover page pre-populated with the applicant's information, click Create 4506-T and Cover Page.

You can download the form later, have the applicant sign it, and then either scan and upload the signed form, or fax the form and cover page to the fax number listed on the cover page.

6. In the Tax Payer Name field, enter the applicant's name.

7. In the Tax ID field, enter the applicant's tax payer ID.

This image shows a completed Applicant Info section.

Figure 22: Applicant Info Section: 4506-T Direct Business Returns

8. In the Order 4506-T Direct section, do one of the following:

• Click 1120, select Return Transcript, Account Transcript, or Record of Account, and then select the tax years.

• Click 1065, select Return Transcript, Account Transcript, or Record of Account, and then select the tax years.

9. In the Income section, click Income Variance, and enter the applicant's total gross income, and select the pay period (Monthly or Annually).

Some users do not see the Income section due to account settings.

4506-T Direct 35

CredcoCredit.com

User’s Guide

This image shows the Products and Income Variance sections.

Figure 23: Products and Income Variance Sections

10. To upload the applicant-signed 4506-T form, use the Browse button under Upload Files, browse to the file, and click the Upload button to add it to the order.

11. Click Order Products.

Your order is sent and a confirmation message appears.

Checking Order Status and Adding the Signed 4506-T Form

You can check the status of a 4506-T Direct order by searching for it. You can also download the pre-populated 4506-T form and cover page (if you requested one when you ordered the product). If you ordered the report in a batch of reports, you can search for only one of those reports at a time. Once you find it, you can update it by adding notes or the applicant-signed 4506-T form, if the order is not already complete.

To find an order, you must have one of the following:

Applicant first name

Applicant last name

Co-applicant last name

Applicant SSN

Reference Number

Loan number

Loan ID

Account number

Date or date range of the order

(Some users see only some of these fields, depending on their site account settings.)

1. Click the Search tab.

36 4506-T Direct

User’s Guide

CredcoCredit.com

The Search Transactions page opens.

Figure 24: Search Transactions Page

2. In the Search Criteria fields, enter as much information about the order as you have.

3. Click Search.

A list of orders matching those criteria appears.

Figure 25: Search Results

4. When you find the order, check the Status column for its status.

• “In Process” means the order is not complete.

• “Completed” means the order is ready to see and download.

• “In Process” with a red exclamation point means there is a problem with the order.

See “Resolving Problems with a Submitted Order” on page 38 for solutions.

5. (For pre-populated 4506-T form and cover page only) To download the form, click the check box next to the order, and then click the 4506-T button. Down-load the form from the page that opens. (You can then either upload the signed and scanned form in the next steps or fax the form in later.)

6. To add notes or attach the 4506-T form, click the check box next to the order and click the Update button above it.

4506-T Direct 37

CredcoCredit.com

User’s Guide

7. In the page that opens, either add notes in the Notes field, or click Upload (if this button appears) to attach the 4506-T form to the order.


Your order is submitted.

Resolving Problems with a Submitted Order

Sometimes the IRS rejects a 4506-T form if it is inaccurate or incomplete. Other times the order cannot be processed because the 4506-T form is not attached. To indicate these problems, a red exclamation point appears next to the order's status. This topic explains how to find and fix these issues.

1. Search for the order. See “Checking Order Status and Adding the Signed 4506-T Form” on page 36 for instructions.

2. In the Search Results page, if the order has the red exclamation mark next to its status, move the pointer to the red mark to see its details.

The details open in a pop-up icon.

3. Click the check box next to the order and click the Update button.

4. In the page that opens, either upload the 4506-T Direct form or make the other necessary changes to the order.

5. Click the Submit button. The order is resubmitted for processing.

Re-printing an Order

Once an order is complete, you can see and print it again (in some cases, for an addi-tional fee).

1. Search for the order. See “Checking Order Status and Adding the Signed 4506-T Form” on page 36 for instructions.

2. When you find the order, click the check box next to it, and click the Re-Print button.

The completed report opens. You can print or download the report now.

Anthem and Anthem International

Customers use the Anthem report options for applicants with little or no credit his-tory. The Anthem report provides verified non-traditional credit data. The Anthem report includes a unique score.

The Anthem report includes an Anthem Credit Score Disclosure in compliance with Section 212 of the FACT Act.

38 Anthem and Anthem International

User’s Guide

CredcoCredit.com

Note Whether you receive the Anthem CSD with the order automatically or must request it first depends on your account settings. Contact your representative for more information.

Ordering the Anthem report requires the applicant's name, address, and SSN (if there is one). Anthem International does not require an SSN.

To order the Anthem report, take these steps:




2. In the Order page, click the Anthem check box.

Anthem and Anthem International 39

CredcoCredit.com

User’s Guide

The Anthem ordering fields open, as shown here.

Figure 27: Anthem Ordering Fields

3. In the User Info section, type your contact information, if the fields are not already populated with it.

4. In the Application fields, enter the applicant's name and address.

5. In the AUC field, enter the loan's AUC code.

6. To request that a customer service representative contact the applicant, do the following:

a Click Add Telephone Number.

b In the Reference field, select either Applicant or Co-Applicant.

c In the Phone field, type the telephone number.

d In the Type field, select Business, Phone, or Cell.

e In the Notes field, add comments.

f To prevent anyone from contacting the applicant, click the Do Not Contact check box.

Caution If you do not click Do Not Contact, you must include consumer contact information.

40 Anthem and Anthem International

User’s Guide

CredcoCredit.com

This image shows a completed Application section.

Figure 28: Ordering Page: Anthem Report, Applicant Fields

7. In the Add New Tradeline list, click one of the following:

• Add Landlord Info

• Add Previous Landlord Info

• Add Utility/Other Account Info

• Add Loan/Credit Info

8. Click the Add button.

9. In the fields that open, enter the requested information. This image shows a completed Add New Tradeline section. (The fields that appear vary for each type of tradeline.)

10. To add more tradelines, repeat steps 7 through 9.

This image shows a complete Add Tradelines section.

Figure 29: Add Tradelines Section

Anthem and Anthem International 41

CredcoCredit.com

User’s Guide

11. In the Upload Files section, click the Browse button and navigate to the file you want to upload.

12. Click the Upload button.

The file name appears in the Uploaded Files section.


The Order Summary page opens. This page lists your order. To learn how to find the order when it's complete, go to p. 70.

Borrower Activity Report (BAR)

The Borrower Activity Report (BAR) provides information about any mortgage loan activity recorded for a borrower in the last 120 days. It includes two compo-nents:

Lender Activity Data uses the borrower’s SSN to search CoreLogic's Loan Application database for loan applications associated with that borrower within the last 120 days. The Lender Activity data reports on activity for the same address within the same lending institution, as well as activity for different addresses with any lending institution.

Loan Registry Search, or MERS Data search, searches the Mortgage Elec-tronic Registry System (MERS) for any loans by borrower (via SSN)

Ordering Requirements

To order BAR, you must have the following:

Applicant first name, last name, and SSN (as well as the co-applicant’s, if there is one)

Applicant current address

Subject property address

Ordering BAR by Itself

You can order BAR by itself or with other products. To order BAR by itself, see this section. To order BAR with other products, see the next section.

To order BAR by itself, take these steps:


42 Borrower Activity Report (BAR)

User’s Guide

CredcoCredit.com

The Order New Products page opens, as shown here.


2. Click the Borrower Activity Report option.

Borrower Activity Report (BAR) 43

CredcoCredit.com

User’s Guide

The BAR fields open.

Figure 31: BAR Ordering Fields

3. In the Applicant Info section, do the following:

• Click Joint if this is a joint application.

• In the Last Name, First Name, and SSN fields, enter the applicant’s information

• In the Address section, enter the applicant’s current address.Or you can leave these fields blank, and click Same as Subject Property after you enter the Subject Property below.

• Enter the name and SSN of the co-applicant, if there is one.

4. In the Subject Property section, enter the subject property address.Or you can click Same as Current Address if you completed the Address fields above.

5. In the Loan Info section of Subject Property, enter the information about the loan. For some users, the Loan # field is required. The customer’s account set-tings determine this.


User’s Guide

CredcoCredit.com

This image shows the completed Applicant Info and Subject Property sections.

Figure 32: BAR Ordering Fields


The Order Summary page opens.

7. Click the View Report link to see the report now.

Ordering BAR with Other Products

You can order the BAR report at the same time you order certain other products, such as Instant Merge or any of the ProScan product suite. The products you can order are determined by your customer account settings and general report options. For example, you can order BAR with Instant Merge only if your account allows ordering these two products together.

Reaccessing or Reprinting a BAR Order

You can reaccess or reprint a successful BAR order by either searching for it using information such as the applicant’s last name or SSN, or by using the report’s Refer-ence Number. In either case, you can reaccess a report you ordered by itself or with other reports, such as Instant Merge and Exclusionary Lists. However, if you ordered the report with other reports, the search retrieves all of the reports on that order, not just the BAR report.

You can find an existing BAR report either of the following:

Using the Order New Products page to enter the report’s Reference Number and the applicant’s name, SSN, and the subject property address

Searching for the report using the Reference Number or other information about the report

Borrower Activity Report (BAR) 45

CredcoCredit.com

User’s Guide

To reaccess or re-print the report, take these steps:

1. Do one of the following:

• To re-access the report using only the Reference number, click the Order tab. Go to step 2.

• To search for the report to re-access or re-print it, click the Search tab. Go to step 7.

2. In the Order New Products page, click the Borrower Activity Report check box.

The Borrower Activity Report fields become active.

3. Click the re-Access check box.

The Reference Number field becomes required.

4. Enter the report’s Reference Number, the applicant’s first name, last name, and SSN, and the subject property address in the fields below,. as this image shows.

Figure 33: Re-Access Fields


The Order Summary page opens.

6. Click the View Report link to see the report now.

7. In the Search Criteria fields, enter as much information about the report as you have.


User’s Guide

CredcoCredit.com

The more information you enter, the more specific your search results.

8. Click Search. The Search Results list appears below the Search Criteria fields, as shown here.


9. If your report doesn’t appear on the first page, click the arrow buttons below to scroll through the list.

10. When you find the report, click its check box, and click the Re-Access or the Re-Print buttons.

The report opens in a new window.

11. Print or save the report now.

FinalCheck (with Exclusionary Lists)

The FinalCheck report is a suite of products designed to help lenders comply with Fannie Mae’s new Loan Quality Initiative (LQI). The product suite includes Credit, the Borrower Activity Report (BAR), MERS data, and Exclusionary Lists.

The products Instant Merge LQ and Instant Merge LQ Gap group these compo-nents into one report.

The LQ report is a credit report with Subject Property, Loan Information, and Exclusionary List components included. You order this report as an initial prod-uct.

FinalCheck (with Exclusionary Lists) 47

CredcoCredit.com

User’s Guide

The LQ Gap product provides a comparison of refreshed credit data to an orig-inal credit report, as well as Subject Property, Loan Information, and Exclusion-ary Lists. You must upgrade an Instant Merge Credit report to the Instant Merge LQ Gap product.

The rest of this quick reference guide explains how to order LQ and LQ Gap with Exclusionary Lists and change participant information in completed reports using CredcoCredit.com.

Ordering LQ with Exclusionary Lists

This section explains how to order an LQ report that includes Exclusionary Lists.

To order LQ with Exclusionary Lists, take these steps:

1. From any page, click the Order tab.

The Order Products page opens, as shown here.


2. Click the LQ check box.

48 FinalCheck (with Exclusionary Lists)

User’s Guide

CredcoCredit.com

The LQ ordering fields open, as shown here.

Figure 36: Instant Merge LQ Ordering Fields

3. To order the report in Spanish (Views format only), click the Spanish check box. Otherwise, leave English checked.

4. In the First Issued Date field, enter a start date for the data. For example, if you want to see data from one month ago forward, enter that date.

Otherwise, the report returns data for the last 90 days.

5. In the Repositories list, leave Account Defaults selected, or choose 1 Reposi-

tory, 2 Repository, or 3 Repository.

To specify which repositories, click the Individual Bureaus check box and select the bureaus.

Note If you select something other than Account Defaults but do not choose the bureaus in the Individual Bureaus, LQ uses the settings for 1-, 2-, or 3-repositories on your account.

6. For one applicant, leave the Individual check box selected, or click Joint for two applicants.

7. In the fields indicated, enter the applicant’s first name, last name, SSN, address, and other information.

8. Repeat the previous step to enter the co-applicant’s information, if there is one.


CredcoCredit.com

User’s Guide

This image shows a completed Applicant section.

Figure 37: LQ: Completed Applicant Section

9. To add Exclusionary Lists screening, click Participant Info, and select the Exclu-sionary Lists to include in the screening.

10. In the Participant fields, enter information about the participants.

To add more than five participants, click the Add More Participants button and complete the fields that open.

This image shows the completed Participants fields.

Figure 38: Participants Fields for Exclusionary Lists



User’s Guide

CredcoCredit.com

The Order Summary page opens showing the completed report, as in the following image. You can print or download and save the report now.

Figure 39: Completed LQ Report

Ordering LQ Gap with Exclusionary Lists

You can order LQ Gap after you have ordered an Instant Merge report. The LQ Gap report compares the borrower’s recent activity to the activity captured in the original Instant Merge report.

To order the LQ Gap report, you must have the original Instant Merge report's ref-erence number.

To order LQ Gap with Exclusionary Lists, take these steps:

1. From any page, click the Search tab.

2. In the Search Criteria section, enter any combination of information from the order, such as applicant SSN, Applicant last name, or report reference number.



CredcoCredit.com

User’s Guide


4. Click the check box next to the Instant Merge order you want, as shown here.

Figure 41: Selecting the Instant Merge Report

5. Click the Order Add'l Products button above the list, as shown here.

Figure 42: Order Add’l Products Button

The Order Additional Products page opens. The original report's applicant name and reference number appear in the Application Info section. You cannot alter this information.


User’s Guide

CredcoCredit.com

This image shows this information.

Figure 43: Order Additional Products Page

6. In the IM Account Number list, select the account for ordering this report.

7. In the Credit Products section, click Instant Merge LQ Gap

The Instant Merge LQ Gap ordering fields open. This image shows these fields.

Figure 44: Instant Merge LQ Gap Ordering Fields


CredcoCredit.com

User’s Guide

8. Enter the applicant information in the fields.

9. To add Exclusionary Lists screening, click Participant Info, and select the Exclu-sionary Lists to include in the screening.

10. In the Participant fields, enter information about the participants.

This image shows how.

Figure 45: Participants Fields for Exclusionary Lists



User’s Guide

CredcoCredit.com

The Order Summary page opens, which shows the completed report, as shown here.

Figure 46: Instant Merge LQ Gap Completed Report

You can download or print the report now.

Modifying Participants in an Existing LQ or LQ Gap Report

You can now re-order the LQ or LQ Gap report to add, delete, or change partici-pants in the original LQ or LQ Gap report. The following sections explain how.

ModifyingParticipants

for the LQReport

This section explains how add, delete, or update information about participants in the LQ with Exclusionary Lists report.

Note To see how to modify participants in the LQ Gap report, see the next section.

To modify participant information in the LQ report, take these steps:



CredcoCredit.com

User’s Guide




In the Search Results page that opens, select the report, and click the Order

Add’l Products button.


Figure 48: Order Add’l Products Button

4. In the Order Additional Products page that opens, click the Instant Merge LQ option.


User’s Guide

CredcoCredit.com

This image shows the Instant Merge LQ option selected.

Figure 49: Order Additional Products Page, Instant Merge LQ Selected

The LQ ordering fields open. These fields include the participants you’ve already entered, as this image shows.

Figure 50: Existing Participants in Participants List

5. To add more participants or change the existing participants now, click the Par-

ticipant Info check box, and click the Exclusionary Lists to include to the right.


CredcoCredit.com

User’s Guide

The Participant fields become active, as shown here.

Figure 51: Participants Available for Adding or Deleting


• To delete a participant, click the Delete button to the right.The participant is removed from the list.

• To change a participant’s information, make the change in the field now. For example, you can change the participant’s role.

• To add a participant, click the Add More Participants button, and enter the participant’s information in the fields that open.



User’s Guide

CredcoCredit.com

The completed report with the updated Participant information opens, as shown here.

Figure 52: Instant Merge LQ Report with Updated Participant Information

ModifyingParticipants

in the LQGap Report

This section explains how to add, delete, or update participants in the LQ Gap with Exclusionary Lists report.

To modify participants in the LQ with Exclusionary Lists report, see the previous section.

To modify participant information in the LQ Gap report, take these steps:





CredcoCredit.com

User’s Guide


In the Search Results page that opens, select the report, and click the Order

Add’l Products button.

4. In the Order Additional Products page that opens, click Exclusionary Lists, as shown here.

Figure 54: Exclusionary List Product Option

5. Scroll to the Exclusionary Lists section choose the lists, and then do one of the following:

• To delete a participant, click the Delete button to the right.The participant is removed from the list.

• To change a participant’s information, make the change in the field now. For example, you can change the participant’s role.

• To add a participant, click the Add More Participants button, and enter the participant’s information in the fields that open.

This image shows some of these options.

Figure 55: Participants Added, Changed, or Deleted



User’s Guide

CredcoCredit.com

If you deleted or changed participant information, this information appears in the report that opens.

If you add participants, these new participants appear in this report, but the ones from the previous order do not. Go to step 6.

7. To see all participants for each instance of this order, click the Search tab, and find the report in the Search page that opens

8. Click the Reprint button, as shown here.

Figure 56: Reprinting an Updated LQ Gap Report

The report that opens shows all participants verified in this report.

Instant Merge

This section describes the Instant Merge report and explains how to order it.

Instant Merge is the merged credit report. In the Instant Merge, credit data Instant Merge from three bureaus is merged into one streamlined credit report.

When you order the Instant Merge, you can order it alone or with other products. For example, you can order Instant Merge with ProScan ID for the same applicant. Use the procedure in this section to order Instant Merge by itself or with other products.

To order the Instant Merge report, take these steps:

1. Click the Order tab from any page.

Instant Merge 61

CredcoCredit.com

User’s Guide

The Order New Products page opens, as shown here.

Figure 57: Order New Products page

2. In the Account Number list, pick an account and click the Go button.

The products available for order under that account number become active.

3. In the Credit Products sections, click the Instant Merge check box.

62 Instant Merge

User’s Guide

CredcoCredit.com

To add other products, click the check boxes next to the products now. The Instant Merge product fields become active, as this image shows.

Figure 58: Instant Merge Ordering Fields

4. In the Application Info section, do the following:

• Select a language. (English is the default.)

• Select Individual, for one applicant, or Joint, for two.

5. In the rest of the Applicant/Co-applicant fields, enter the applicant's informa-tion.

6. When you have completed the fields, click the Order Products button at the bottom of the page.

The Order Summary page opens showing the report. The Order Summary page includes the product name, report ID (reference number), and the status. Below this information the report itself appears in PDF format. If you ordered more than one product, only one product appears as a PDF. To learn how to see the other report, go to step 9. This image shows the Order Summary page.

Instant Merge 63

CredcoCredit.com

User’s Guide

This image shows a completed report in the Order Summary page.

Figure 59: Order Summary Page

7. To see and download the report, do one of the following:

• To download the eye-readable report, click the Save icon in the PDF document.

• To print the eye-readable report, click the Print icon above the report. To see the other report, if there is one, click the button above the PDF file.

• To close the window, click the Close button

Caution You can retrieve and print the report later, but reprinting it could involve additional fees.

CSD Mortgage

This section describes the CSD Mortgage product and explains how to order it.

CSD Mortgage is the Credit Score Disclosure lenders must provide all loan appli-cants. It discloses the credit score that the lender used in connection with the loan process, and the key factors affecting the credit score. A CSD Mortgage report is included with every Instant Merge report automatically. However, you can reprint the report independently.

To order CSD Mortgage, you must have the Reference Number from the Instant Merge you ordered first.

Note To order CSD Mortgage when you order the IM report, see the section “Instant Merge” on page 61.

64 CSD Mortgage

User’s Guide

CredcoCredit.com

You can order the CSD Mortgage in three ways:

By ordering it when you order the Instant Merge report, as described on page 33.

By finding the Instant Merge report in the Search page and ordering new prod-ucts from there.

By ordering a new CSD Mortgage by itself.

The following procedure describes how to order the report by itself. The next chap-ter describes how to add products, including CSD Mortgage, to an existing order.

To order CSD Mortgage, take these steps:




2. Click the CSD Mortgage check box.

When you click the CSD Mortgage option, a red asterisk marks the fields you must complete.


• Leave the Re-access option checked.

• In the Ref. Num field, enter the Instant Merge report's Reference number.

• Select a language. (English is the default.)

• Select Individual, for one applicant, or Joint, for two.

CSD Mortgage 65

CredcoCredit.com

User’s Guide

4. In the rest of the Application fields, enter the applicant's information.

This image shows a completed Applicant section.

Figure 61: Order Page: CSD Application Information Section

5. Click the Order Products button at the bottom of the page. When the order is processed, the Order Summary page opens, showing your report.

6. To print or save the report now, use the Print and Save icons at the top of the PDF document.

Instant Merge LQ and LQ Gap (and LQ CSD)

The LQ and LQ Gap reports are products ordered after an applicant's Instant Merge report to check for any new debt or other liabilities.

The Instant Merge LQ product provides a summary view of new activities for the consumer based on a new credit order. (The LQ CSD option provides the Con-sumer Score Disclosure statement with the LQ report.)

The Instant Merge LQ Gap product provides a comparison of refreshed credit data to an original credit report. The report requires the original reference number. (The LQ Gap CSD option provides the Consumer Score Disclosure statement with the LQ report.)

The Instant Merge LQ and LQ Gap reports comply with Fannie Mae's new Loan Quality Initiative (LQI).

To order the LQ or LQ Gap report, you must have the original Instant Merge report's reference number.

To order LQ and LQ Gap reports, take these steps:




66 Instant Merge LQ and LQ Gap (and LQ CSD)

User’s Guide

CredcoCredit.com

A list of reports matching the search opens.

Figure 62: Search Results Page

4. Click the check box next to the Instant Merge order you want.

5. Click the Order Add'l Products button above the list.

The Order Additional Products page opens. The original report's applicant name and reference number appear in the Application Info section. You cannot alter this information.


6. In the IM Account Number list, select the account for ordering the LQ or LQ Gap report.

Instant Merge LQ and LQ Gap (and LQ CSD) 67

CredcoCredit.com

User’s Guide

7. In the Credit Products section, click one of the following:

• Instant Merge Instant Merge LQ

• Instant Merge LQ CSD

• Instant Merge LQ Gap

• Instant Merge LQ Gap CSD.

The Instant Merge LQ or LQ Gap report opens. You can print or save the report now.

LoanSafe and LoanSafe FCRA

LoanSafe prevents fraud in all phases of the mortgage lending process. LoanSafe FCRA combines data from multiple sources to assess the risk of fraud on the FCRA part of the broker, borrower, collateral, and other aspects of the loan components.

To order LoanSafe or LoanSafe FCRA, take these steps:

1. In CredcoCredit.com, click the Order tab.



2. In the Fraud and Compliance Products section, click either LoanSafe or Loan-Safe FCRA.

68 LoanSafe and LoanSafe FCRA

User’s Guide

CredcoCredit.com

Note If you choose LoanSafe FCRA, you must include the Identity and Borrower section to order any other part of the product.

This image shows where to find the LoanSafe products.

Figure 65: LoanSafe Product Selection

3. Click either Individual or Joint to order the report for one applicant or two.

Click one Loan-Safe product here.

LoanSafe and LoanSafe FCRA 69

CredcoCredit.com

User’s Guide

When you select a LoanSafe product and either Individual or Joint, the Loan-Safe product fields open, as shown here.

Figure 66: LoanSafe Ordering Fields

LoanSafe includes three sections: Identity and Borrower, Property and Market, and Income. You must include at least one of these sections in your request. Identity and Borrower and Property and Market are selected by default.

4. Enter information in one, two, or all three sections. Use these guidelines:

• If the applicant's current address and the subject property address under Property and Market are the same, fill out the applicant's current address in Identity and Borrower, and then click the Same as Subject Property Address check box. The Subject Property section automatically includes the address.

• You can order one section without another. For example, you can order Property and Market without ordering Identity and Borrower. To remove a section, click the check box next to its name.

5. Click the Order Products button at the bottom of the page. The LoanSafe prod-ucts you ordered open as a PDF document. You can print or save the report now.

LoanSafe Collateral Manager

LoanSafe Collateral Manager analyzes property and neighborhood characteristics to determine the early payment default and loss severity risk of each mortgage. The proprietary collateral risk assessment engine behind LoanSafe Collateral Manager evaluates numerous elements to deliver a clear risk picture.

70 LoanSafe Collateral Manager

User’s Guide

CredcoCredit.com

To order LoanSafe Collateral Manager, you must have the following:

The Subject property's street address, city, state, and zip code

The Subject property's estimated value

The applicant loan number

To order LoanSafe Collateral Manager, take these steps:




2. In the IM Account Number list, choose the account number to use when order-ing. (Some users see only one account number here.)

3. To import borrower data from an existing Fannie Mae 1003 form, click Import 1003 and follow the instructions to upload your file. Importing the data from the 1003 form populates matching fields in the Order New Products page.

4. Click the LS Collateral Manager check box.

LoanSafe Collateral Manager 71

CredcoCredit.com

User’s Guide

The LS Collateral Manager ordering fields open.

Figure 68: LoanSafe Collateral Manager Ordering Fields

5. In the Identity and Borrower section, enter the authorizing unit code, if you have it.

6. In the Property and Market section, enter the Subject property's street address, city, state, and zip, and the property's estimated value.

7. (Optional) In the Sales Price field, enter the sales price, if available.

8. (Optional) In the Property Type list, select the type of property, such as Single Family or Unit Family.

9. In the Loan Info section, enter the loan number.

10. (Optional) In the rest of the Loan Info section, enter as much information about the loan as you have. The more information you enter when ordering the report, the more complete the report results are.


The LoanSafe Collateral Manager report opens.


LoanSafe Fraud Manager

LoanSafe Fraud Manager uses patented predictive-analytics scoring technology to expose suspicious mortgage loans at the application stage, which helps you to quickly identify each loan’s fraud risk prior to funding. In addition, LoanSafe Fraud Manager can be used to analyze portfolios, so you can spot questionable loans and take proactive steps to prevent early payment defaults and buy-backs

To order LoanSafe Fraud Manager, you must have the following:

The borrower's first name, last name, SSN, and FICO score

(For Joint reports) the co-borrower's first name, last name, and SSN

The Subject property's street address, city, state, and zip code

72 LoanSafe Fraud Manager

User’s Guide

CredcoCredit.com

The Subject property's estimated value

The loan number

The loan amount

The applicant's (and co-applicant's, for a Joint report) gross income for a certain time period, such as monthly, annually, bi-weekly, or quarterly

To order LoanSafe Fraud Manager, take these steps:






4. Click the LS Fraud Manager check box.

LoanSafe Fraud Manager 73

CredcoCredit.com

User’s Guide

The LS Fraud Manager ordering fields open.

Figure 70: LoanSafe Fraud Manager Fields

5. In the Identity and Borrower section, click Individual for one applicant or Joint for two.

6. Enter the borrower's first name, last name, SSN, and FICO score.

7. To enter the borrower's marital status and home phone, click the Additional Information icon.

8. Repeat these steps for the co-applicant, if there is one. (You do not have to enter the co-applicant's FICO score, however.)

9. (Optional) Enter the borrower's current address. Always enter the borrower's address here, even if there is a co-borrower.

10. In the Property and Market section, enter the Subject property's street address, city, state, and zip, and the property's estimated value.

Tip If you entered the borrower's address in the previous section and this address is the same as the Subject property address, click Same as Current Address to copy that address to these fields.

11. (Optional) In the rest of the Property and Market fields, enter as much informa-tion as you have.

74 LoanSafe Fraud Manager

User’s Guide

CredcoCredit.com

12. In the Income section, click Salary Report to receive the Salary Report with the LoanSafe Fraud Manager report.

13. In the Total Gross Income section, enter the applicant's gross income for a month, year, or pay period.

14. In the Income Period list, choose the pay period that matches the income amount entered in the Total Gross Income section. For example, enter 43000 in the Total Gross Income section, and then choose Annual in the Income Period list.

15. Repeat these steps for the co-applicant, if one exists.

16. Complete the rest of the fields in the Income section.

17. Click the Order Products button. The LS Fraud Manager report opens.


LoanSafe Risk Manager





LoanSafe Risk Manager 75

CredcoCredit.com

User’s Guide


4. Click the LS Risk Manager check box. The LS Risk Manager ordering fields open.

This image shows these ordering fields.

Figure 72: LoanSafe Risk Manager Ordering Fields

5. In the Identity and Borrower section, click Individual for one applicant or Joint for two.

6. Enter the borrower's first name, last name, SSN, and FICO score.

7. To enter the borrower's marital status and home phone, click the Additional Information icon.

8. Repeat these steps for the co-applicant, if there is one. (You do not have to enter the co-applicant's FICO score, however.)

9. (Optional) Enter the borrower's current address. Always enter the borrower's address here, even if there is a co-borrower.

76 LoanSafe Risk Manager

User’s Guide

CredcoCredit.com

10. In the Property and Market section, enter the Subject property's street address, city, state, and zip code. Tip: If you entered the borrower's address in the previ-ous section and this address is the same as the Subject property address, click Same as Current Address to copy that address to these fields.

11. In the Est Property Value field, enter the Subject property's estimated value.

12. (Optional) In the rest of the Property and Market fields, enter as much informa-tion as you have.

13. In the Income section, click Salary Report to receive the Salary Report with the LoanSafe Risk Manager report.

14. In the Total Gross Income field, enter the applicant's gross income for a month, year, or other pay period.

15. In the Income Period list, choose the pay period that matches the income amount entered in the Total Gross Income section. For example, enter 43000 in the Total Gross Income section, and then choose Annual in the Income Period list.

16. Repeat these steps for the co-applicant, if one exists.

17. Complete the rest of the fields in the Income section.

18. Click the Order Products button. The LS Risk Manager report opens.


The ProScan Products

This section describes each ProScan product available through CredcoCredit.com.

ProScan ID helps verify an applicant's identity. By accessing multiple data pro-viders, it helps answer the question, “Is your customer who they say they are?”

ProScan OFAC helps your business satisfy the USA PATRIOT Act's Customer Identification Program (CIP) and Office of Foreign Assets Control (OFAC) compliance requirements.

ProScan Index verifies an applicant's SSN, address, and telephone number.

ProScan SSN verifies an applicant's stated information (such as name, date of birth, gender, and SSN) against the same information on file at the Social Secu-rity Administration (SSA). ProScan SSN requires a borrower-signed SSA-89 form for processing.

To order a ProScan product, take these steps:


The ProScan Products 77

CredcoCredit.com

User’s Guide


Figure 73: Order New Products page

2. In the Account Number list, pick an account and click the Go button.

The products available for order under that account number become active.

3. In the Fraud and Compliance Products section, click the check boxes next to the products you want to order.

The fields in the Application Info section below change to match the products you select. For example, if you choose ProScan OFAC, the fields necessary for that product become active, as this image shows.

Figure 74: ProScan OFAC Ordering Fields


78 The ProScan Products

User’s Guide

CredcoCredit.com

a Click Individual, for one applicant, or Joint, for two.

b In the Applicant section, enter the applicant's information, including first and last name, SSN, and address.

c Repeat the previous step for a co-applicant.

4. In the AUC code field, type your AUC code.

5. When you have completed the fields, click the Order Products button at the bot-tom of the page.

The Order Summary page opens showing the report. The Order Summary page includes the product name, report ID (reference number), and the status.

RMCR

The Residential Mortgage Credit Report (RMCR) can verify four or more items. Customers use RMCR for applicants with complex credit histories. RMCR includes information going back two to seven years for both the borrower and co-borrower.

Rather than order the RMCR as a new report, customers usually upgrade the Instant Merge report to an RMCR. Ordering a new RMCR can trigger significant fees.

Caution To avoid triggering significant fees, upgrade the Instant Merge to an RMCR instead of ordering the RMCR as a new report. For instructions on upgrading the Instant Merge to an RMCR, see “Upgrading Orders” on page 86.

To order RMCR as a new report, take these steps:


2. Click the RMCR option.

3. In the warning dialog box that opens, click OK.

This image shows the warning dialog box.

Figure 75: RMCR Warning Message

The RMCR ordering fields open.

4. In the User Info fields, verify your contact information, and click Rush Priority to expedite the order.


RMCR 79

CredcoCredit.com

User’s Guide

a In the Repositories list, choose 1 Repository, 2 Repositories, or 3 Reposito-ries, or leave Account Defaults checked, or click Individual Repositories and click the check boxes for the bureaus.

b Click Individual, for one borrower, or Joint, for two.

c In the Application fields, enter the applicant's information. For co-appli-cant's enter the co-applicant's information here too.

4. In the AUC field, enter the loan's AUC code.

5. To request a representative contact the applicant, do the following:

a Click Add Telephone Number.

b In the Reference field, select either Applicant or Co-Applicant.

c In the Phone field, type the telephone number.

d In the Type field, select Business, Home, or Cell.

e In the Notes field, add comments.

6. To prevent someone from contacting the applicant, click the Do Not Contact check box.

This image shows the completed User Info and Application Info sections.

Figure 76: Order Page, RMCR Application Info Section

7. In the Add New Tradeline list, click one of the following:

• Add Landlord Info

• Add Previous Landlord Info

• Add Utility/Other Account Info

• Add Loan/Credit Info

8. Click the Add button.

9. In the fields that open, enter the requested information.

80 RMCR

User’s Guide

CredcoCredit.com

This image shows a completed Add New Tradeline section.

Figure 77: Order Page, RMCR Add New Tradeline Section

10. To add more tradelines, repeat steps 7. through 9.

11. In the Upload Files section, do the following:

a Click the Browse button and navigate to the file you want to upload.

b Click the Upload button. The file name appears in the Uploaded Files sec-tion.

This image shows a completed Upload Files section.

Figure 78: Order Page, RMCR Upload Files Section

3. Click the Order Products button. The Order Summary page opens showing your order. To retrieve the completed order, go to p. 70.

RMCR 81

CredcoCredit.com

User’s Guide

CHAPTER 4: MODIFYING EXISTING REPORTS

This chapter describes how to modify completed Instant Merge reports. It includes these sections.

“About Existing Orders,” this page

“Finding Orders” on page 82

“Upgrading Orders” on page 86

“Changing the Number of Bureaus in the Instant Merge Report” on page 91

“Adding or Removing Applicants in Instant Merge Reports” on page 94

“Re-accessing Orders” on page 96

“Reprinting Orders” on page 97

“Updating Upgrade Orders” on page 97

About Existing Orders

Existing orders are completed orders. Once an order is complete, you can enhance the order in one of several ways, depending on the product options and your account settings. Here is how you can enhance an existing order.

Upgrade the order to MergePlus, RMCR, Anthem RMCR, Mortgage Only, or Rapid ReCheck

Add or remove applicants (to an Instant Merge only)

Change the number of bureaus in the order

Re-access the order

Reprint the order

Update an upgrade order whose status of In Process

Finding Orders

This section explains the following:

Search criteria for orders

The information available in the search results

How to find orders

Search Criteria

Using almost any information about the applicant or loan, you can find existing orders using the Search functions. You can search by the following items:

Applicant SSN

82 About Existing Orders

User’s Guide

CredcoCredit.com

Applicant last name

Co-applicant SSN

Co-applicant last name

Report reference number

Time frame (such as within the last 7 days)

Account #

Loan Number

Loan Officer ID

Branch ID

Date range

Note Because users are not required to enter a loan number, a loan officer ID, or a branch ID when ordering the report, some reports might not have this information.

The Search Results

The search results provide the specifics of any order, including the reference num-ber, the status, and other information.

This image shows typical search results.


When you click a check box next to an order, the options for that order become active above the list.

Finding Orders 83

CredcoCredit.com

User’s Guide

This image shows the options for the selected order.

Figure 80: Search Results Page: Options for One Order

This list describes the information you can find in the Search Results section.

If a plus sign appears to the left of the order, the order contains additional prod-ucts or upgraded line items. You can click the plus sign to see them.

The Key icon left of Reference Number indicates the report is a Dynamic Access report, meaning the ordering user added or removed a borrower from the original report.

Reference Number shows the report's reference number. The format of the ref-erence number indicates whether the report is a standard or an upgrade report. Upgrade reports use the format PFM-------, whereas standard reports use a 15-digit numeric reference number.

SSN shows the SSN for the primary applicant.

Applicant shows the primary applicant's name.

Date shows the date of the order.

Product shows the type or order, such as Instant Merge or ProScan ID.

Status shows whether the order is complete.

Account shows the account used to place the order.

The Notes icon in the right column shows the loan ID, loan officer ID, and branch ID if the user included these when placing the order.

To search for orders, take these steps:


84 Finding Orders

User’s Guide

CredcoCredit.com

The Search Transactions page opens. (For some users, the Search Transactions page is their Home page.)

Figure 81: Search Fields in Search Transactions Page

2. In the Search Criteria section, enter any combination of information, using these guidelines:

• SSN: Enter the applicant's SSN. Or, enter the co-applicant's SSN if applicable.

• Applicant Last Name: Enter the applicant's last name or the first part it.

• Co-Applicant Last Name: Enter the co-applicant's last name or the first part of it, if the report includes a co-applicant.

• Reference Number: Enter the report's reference number.

• Date: Click the Date option and enter a time frame for the search.

• If you choose Full Search, you must also include the applicant or co-applicant SSN or the report's Reference Number in the search fields.

• Account #: Enter the account number used to order the report.

• Loan Number: Enter the loan number from the report.

• Loan Officer Id: Enter the Loan Officer ID from the report.

• Branch Id: Enter the branch ID used in the report.


Finding Orders 85

CredcoCredit.com

User’s Guide

The results appear in the Search Results section of the same page.


Note Choose Full Search in the Date field (if available) to search for reports up to three years old. Remember that you can only request customer service for reports older than 210 days. You cannot upgrade or otherwise modify a report older than 210 days.

Once you find an order, you can take other actions with it, such as change the num-ber of applicants, which is explained in later sections.

Upgrading Orders

This section explains upgrade products and how to order them.

About Upgrade Products

You can upgrade the Instant Merge report to a product that gives you more infor-mation about the applicant.These products use data from an Instant Merge report and either add to it or enhance it. These products include Anthem RMCR, Merge Plus, and the Residential Mortgage Credit Report (RMCR).

Anthem RMCR verifies Noncredit Payment References (NCPRs) and docu-ments those references on a Residential Mortgage Credit Report (RMCR). Designed for consumers with little or no credit history, Anthem RMCR pro-vides accurate, verified non-traditional credit data along with a unique score in the RMCR format.

Merge Plus provides details on flagged items from the Instant Merge report. Merge Plus investigates balances open for accounts older than 90 days, accounts in dispute or severe delinquency, credit tradelines added since the borrower sub-mitted the loan application, and employment history.

86 Upgrading Orders

User’s Guide

CredcoCredit.com

Residential Mortgage Credit Report (RMCR) provides fully researched trade-lines, credit data, public records data, and employment and residence records. It also includes separate information going back two to seven years for both the borrower and co-borrower.

About Upgrading Orders

Upgrading an Instant Merge is different from adding products to the order in that upgrades use information within the original order, whereas additional products add information to it. For example, you can update an Instant Merge by requesting veri-fication of several tradelines within it. However, to verify the identity of the appli-cant, you would add ProScan ID to the order.

To upgrade an Instant Merge report is to do one or more of the following:

Request verification of information within the original order, such as the details of one or more tradelines.

Promote the order to one of the following products:

• Merge Plus

• RMCR

• Anthem

• Anthem RMCR

• Mortgage Only

• Rapid ReCheck

To upgrade an order, take these steps:



Figure 83: Search Fields in Search Transactions Page


Tip For narrow and specific search results, enter as much information in the Search Criteria section as you can.

Upgrading Orders 87

CredcoCredit.com

User’s Guide



This image shows the Search Results page.


4. Select the Instant Merge report by clicking the check box to the left.

When you select the order, the buttons (options) available for the order become active. This image shows the available options for an Instant Merge report.

Figure 85: Available Options for a Selected Instant Merge Report

Note The plus sign to the left of an order indicates existing upgrades to the order. You cannot upgrade an Instant Merge that has already been upgraded, but you can update items within it, depending on the status. See “Updating Upgrade Orders” on page 97.

5. Click the Upgrade button.

88 Upgrading Orders

User’s Guide

CredcoCredit.com

The Order Upgrade page opens. The fields in this page contain the header information from the original report, including reference number and applicant information. This image shows the Order Upgrade page.

Figure 86: Order Upgrade Page

6. In the Billing Account Number list, choose an account number and click Change Account, or leave the default as is.

7. In the Product list, choose an Upgrade product.

8. In the Reference Number section, verify your contact information in the contact fields and enter other information in the Loan Number and Notes fields.

9. In the Application Information section, add a telephone number, or click Do Not Contact next to Consumer Referral.

10. In the Add New Tradeline section, select a type of tradeline from the list and click Add, and then complete the fields that open.

Upgrading Orders 89

CredcoCredit.com

User’s Guide

This image shows a completed tradeline section.

Figure 87: A Complete Add More Tradelines section

You can repeat this step to add more tradelines.

Tip To delete the tradeline, click the Delete button.

11. In the Line Items section, click the type of line item you want verified to open the list, click the line-item check box, and then do the following:

• Enter any notes in the Notes field.

• Point to Verify Balance/Terms, and select items from the list

• Point to Verify History, and select items from the list.

• Point to Delete Items, and select either Delete Duplicate or Account Not Borrower's.

Caution These lists are different for each type of line item.

When you select items from any of the lists, the items appear in the Request Work field above them. The selections you make here tell representatives exactly what to verify about the tradeline.

90 Upgrading Orders

User’s Guide

CredcoCredit.com

This image shows a completed line item.

Figure 88: A Completed Line Item

12. In the Upload Files section, click the Browse button to add a file, such as an authorization form, and click Upload.

This image shows the Upload File section.

Figure 89: The Upload Files Section


14. In the confirmation window that opens, note the reference number and the fax number (for faxing supporting documentation), and click OK. The next time you log in, the order appears in the Order Status box on the right side of the page.

To learn how to update the order later, see “Updating Upgrade Orders” on page 97.

Changing the Number of Bureaus in the Instant Merge Report

Changing bureaus in an order includes adding or removing bureaus from the origi-nal report.

Changing the Number of Bureaus in the Instant Merge Report 91

CredcoCredit.com

User’s Guide

To change bureaus to an Instant Merge report, take these steps:



Figure 90: The Search Transactions Page





4. Select the order by clicking the check box to the left. When you select the order, the buttons (options) available for the order become active.

5. Click the Order Add'l Products button. The Order Additional Products page opens.

92 Changing the Number of Bureaus in the Instant

User’s Guide

CredcoCredit.com

This image shows the Order Additional Products page.


6. In the Account Number list, choose a new account and click Change Account, or leave the existing one in place.


• To add products to the order, click the check boxes for the additional products.

• To change only the bureaus in the original Instant Merge, click the Instant Merge check box.

8. In the Application Info section, make sure the correct language is selected. The Language option is available for reports with the Views format only.

9. (To change the bureaus included only) In the Repositories field, do one of the following:

• Choose 1 bureau, 2 bureaus, or 3 bureaus. When you select these options, your account settings determine which bureaus are included in the new report.

• Select Individual Bureaus, and check the boxes for the bureaus to include.

10. Verify that the information in the Applicant and other fields, which is pulled from the original report, is valid.

11. Complete the other fields as necessary.


Changing the Number of Bureaus in the Instant Merge Report 93

CredcoCredit.com

User’s Guide

The new report appears in the Order Summary page that opens. For instructions on downloading or printing the report, see “Instant Merge” on page 61.

Adding or Removing Applicants in Instant Merge Reports

Adding or removing applicants from reports is called “Dynamic Access.” In Dynamic Access, you can add one applicant to an Individual report or remove one applicant from a Joint report. You can change only the number of applicants on the report. You cannot change any other information from the original order.

To add or remove an applicant, take these steps:

1. From any page, click the Search tab. The Search Transactions page opens.

Figure 92: The Search Transactions Page

2. In the Search Criteria section, enter any combination of information from the order, such as applicant SSN, applicant last name, or report reference number.


3. Click the Search button. The results appear in the Search Results section of the same page.

4. Select the order by clicking the check box to the left.

94 Adding or Removing Applicants in Instant Merge Re-

User’s Guide

CredcoCredit.com

When you select the order, the buttons (options) available for the order become active.

Figure 93: Buttons Show the Options for a Selected Report

5. To add an applicant, do the following:

a Click the Add button.

The Add an Applicant an Applicant page opens. This image shows the Add an Applicant page.

Figure 94: Adding an Applicant

b Enter the applicant’s information in the fields on the page, and click the Submit button.

3. To remove an applicant, do the following:

a Click the Remove button.

Adding or Removing Applicants in Instant Merge Reports 95

CredcoCredit.com

User’s Guide

The Remove a Borrower page opens.

Figure 95: Remove a Borrower Page

b Find the applicant you want to remove and click the Remove button next to the name.

The X-Restore button appears next to the applicant.

c Click the Submit button.

The updated report opens.


Re-accessing Orders

When you re-access an order, you are requesting the original report again.

To re-access an order, take these steps:

1. Find the report.

See “Finding Orders” on page 82 for help.

2. In the Search Results list, click the report’s check box, and click Re-Access.


Figure 96: Re-Access Button in Search Results List

The Instant Merge report opens, and you can now download or print it again.

96 Re-accessing Orders

User’s Guide

CredcoCredit.com

Reprinting Orders

You can reprint an order to see and download it without making any changes to it. The order you reprint is identical to the original order.

To reprint an order, take these steps:



Tip For narrow and specific search results, enter as much search criteria as you can.


4. Click the check box next to the report, and click the RePrint button above it.

5. This image shows how.

Figure 97: Re-Print Button in Search Results

Note If several versions of the report exist, for example, if you have added or removed a borrower, both versions appear. Click the version you want, and click Reprint.

The RePrint Report page opens showing the report.

Updating Upgrade Orders

You can update orders you have upgraded by adding to, editing, or cancelling the order or just line items within it.

Click the check box, and click Re-Print.

Reprinting Orders 97

CredcoCredit.com

User’s Guide

Upgrade orders use a status of either In Process or Complete.

In-Process orders contain one or more incomplete line items. That is, at least one line item within the order is marked as In Process.

Complete orders contain only complete line items. That is, all line items within the order are marked as Complete.

Tip You can find an order's status by using the Search page.

For In-Process orders, you can cancel line items within the order as long as the line item itself is not marked Complete. You can also edit line items in or add line items to an In Process order, although adding line items sometimes changes the order type and pricing of the order.

You cannot update orders if the order status itself is Complete.

This section explains how update In-Process orders in the following ways:

Cancel an order (if all line items are still marked as In Process)

Cancel In-Process line items within the order

Edit line items marked as In Process within the order

Add line items to the order

Change the priority to Rush Priority

To update Upgrade orders, take these steps:


2. In the Search Criteria section, enter any combination of information from the order, such as applicant SSN, Applicant last name, or reference number.

Tip For narrow and specific search results, enter as much information about the order as possible.


4. Click the check box next to the order, and click the Update button.

98 Updating Upgrade Orders

User’s Guide

CredcoCredit.com


Figure 98: The Update Button

The Upgrade Summary page opens.

5. (Optional) In the Product list, select a new product.

6. (Optional) To cancel the order, click the Cancel Entire File check box.

7. (Optional) To change the priority to Rush, click the Rush Priority check box.

8. Enter the loan number and AUC code in the required fields.

9. Find the first line item you want to change, and do one of the following:

10. To cancel the line item, click the Cancel check box.

• To edit the line item, click the Edit button, and then choose the tasks in the Reason Codes fields that open.

• Repeat the last step to edit more line items.

• To add a line item, click the Add Additional Line Items button at the bottom of the page, and then add additional line items in the lists that open, as you did to first upgrade the order.

• To add supporting documentation, click the Upload File button, navigate to the file in the dialog box that opens, and click Upload.


12. In the Request Success dialog box that opens, note the reference number and click OK. You can track the file's process using the Order Status box on the right side of the page.

Click the check box, and click Update.

Updating Upgrade Orders 99

CredcoCredit.com

User’s Guide

100 Updating Upgrade Orders

User’s Guide

CredcoCredit.com

CHAPTER 5: CUSTOMER SERVICE

This chapter describes how to use the Customer Service module. It includes the fol-lowing sections:

“Administrator Information,” this page

“Customer Service,” this page

Administrator Information

The Administrator Information section of the Web site lists those with administra-tor roles in your company. It provides each administrator's role and e-mail address.

To find Administrator information, take these steps:

1. Click the Customer Service tab. The Customer Service page opens.

2. Click the plus sign next to Admin Information. The list of administrators opens

3. Scroll down the list to find the administrator.

4. To e-mail the administrator, click the e-mail address and complete the process using your e-mail application.

Customer Service

Using Customer Service you can find answers to questions about your accounts, billing, products, report, or issues with the Web site. First, you review the FAQs. If you can't find the answer to your question, you can then submit a question.

To find answers or request customer service, take these steps:

1. Click the Customer Service tab.

Administrator Information 101

CredcoCredit.com

User’s Guide

The Customer Service page opens.

Figure 99: Customer Service Page

(If the Customer Service section is not open, click the plus sign to open it.)

2. In the Customer Service Types list, click the option that most closely matches your question.

A list of related FAQs appears in the FAQs and Answers list below it. If the Cus-tomer Service Type you choose has categories, the categories appear in the Cat-egories list.

Tip A Customer Service Type has categories only if the blue arrows appear to the right of it.


• Continue to narrow the category by choosing available subcategories, if any, and then read the FAQs that appear below.

• Read the FAQs that appear in the FAQs and Answers section. You can also click Next to see more FAQs in the next window.

102 Customer Service

User’s Guide

CredcoCredit.com

4. Click the FAQ that most closely matches your question. The FAQ's answer opens below it.

Figure 100: FAQ Answer

Customer Service 103

CredcoCredit.com

User’s Guide

104 Customer Service

Date post:	27-Feb-2021
Category:	Documents
Upload:	others
View:	4 times
Download:	0 times

CredcoCredit.com User’s Guide - CoreLogicCoreLogic Credco does not make any representation or...

Documents