• Comprehensive detailed credit information in one document
• Lender access - At a highly discounted price to loan applicants.
• Credit Report Key with helpful and thorough explanations to clarify an important part of the home financing decision.
• Report delivered to your lender securely to protect confidentiality

 

* FNMA™ and Desktop Underwriter® are registered trademarks of Fannie Mae"  We are an independent mortgage broker not affiliated with Fannie Mae other than as an authorized user of their software through our sponsoring lenders.

     If you are a resident of Colorado, Massachusetts, Maryland, New Jersey, or Vermont, you may receive one free basic copy of your credit report each year from the credit bureaus. If you are a resident of Georgia, you may receive two free copies of your basic credit report each year from the credit bureaus.

     Illinois law, 815ILCS505/2B.2 (Solicitations Regarding Records) :
MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR BASIC CREDIT RECORD UPON REQUEST, AT NO CHARGE OR FOR A NOMINAL FEE.

• To obtain a copy of your credit report from Experian -
  Mail request to: P.O. Box 949, Allen, TX 75002-0949
  Or call toll-free  (888-397-3742)
  
• To obtain a copy of your credit report from Equifax -
  Mail request to: P.O. Box 740241, Atlanta, GA 30374
  Or call toll-free (800) 685-1111
  
• To obtain a copy of your credit report from TransUnion -
  Mail request to: 2 Baldwin Place, P.O. Box 1000, Chester, PA 19022
  Or call toll-free (800) 888-4213

Credit Security

We share your concern about security of electronic commerce. In order to meet FCRA guidelines and the stringent requirements of  our vendors, as well respect your and your rights to privacy, we operate a system that incorporates two levels of security.

First, any transfer of information, whether classified as order or delivery, must pass through our Secure Socket Layer (SSL) technology with 128-bit encryption on our standard server port. The server receives your request and authenticates your company, user name and password.

Once authenticated, all data in the credit report files you request are encrypted, first as a file, then again as a part of the compression process for transfer.

Links to the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, and the Gramm-Leach-Bliley Act FCRA: Congress enacted a myriad of new rules affecting consumer reporting agencies, their customers, information providers and consumers with passage of numerous amendments to the Fair Credit Reporting Act on September 30, 1996. Link to FCRA. FACTA: Congress enacted FACTA to amend the FCRA, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of and provide better consumer access to credit information, and for other purposes. Link to FACTA. GLB: The Gramm-Leach-Bliley Act was enacted as Public Law 106-102 on November 12,1999 and was designed to reform the laws governing financial institutions in a number of ways, including providing for certain privacy protections to customers and other consumers of the services and products of various financial institutions. Link to Gramm-Leach-Bliley.