F.A.Q. QUESTIONS
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1. Question: What are the system requirements to use QCcredit.com?
   Answer: All you need is an Internet connection and Internet Explorer 5.5 with 128-bit encryption

2. Question: How does QCcredit.com work with Calyx Point, Genesis2000, ePASS, and Byte?
   Answer: By downloading and installing the LOS (Loan Origination Software) interface from our download page, you then can import the borrower information from your LOS to our QC Credit software, access credit, and then export the liabilities from that credit report back to the 1003 in your LOS software
3. Question: My system prompts me with the following message: "Your password has expired. Please enter a new one." what do I do?

   Answer: This is normal and happens every 90 days per the bureaus, you can simply make up a new password here or call our technical support department (408) 271-9788.

4. Question: Why is my printer printing weird characters?
   Answer: Make sure "Print as Image" checkbox is checked in print window before printing. If problems persist, call QC Credit Agency Support at (408) 271-9788.
5. Question: Why can't I login ? Why does it say that my account is locked?
   Answer: There are various reasons why an account gets locked. Contact QC Credit Tech Support for help.
6. Question: How do I pull a Fannie Mae report?
   Answer: You must have an established Fannie Mae account with QC Credit to pull a Fannie Mae report. We will issue you a Fannie code and password. There are two ways to pull Fannie Mae reports:
   
   a) Request Fannie Mae directly through Fannie- requires the fannie code and password. A copy of the credit report will show on our website.
   
   b) Request Credit report directly from our website ensuring that the Fannie Mae box is checked. This will put report in Fannie Mae format allowing for a re-issue of the report at a later date
7. Question: Can I add a Co-Borrower to a Fannie Mae file that has already been pulled?
   Answer: No, Fannie Mae will not allow you to add any changes to a file that has already been pulled. You must order a new report.
8. Question: Why are my borrowers credit scores lower on QC Credit report than what they got online directly from the bureaus?
   Answer: QC Credit report is a mortgage credit report with mortgage scores . The report that your borrowers gets online directly from the bureaus is a consumer report with a consumer score which can differ greatly in scoring.
9. Question: If I input the wrong name, ss# or address when pulling my borrowers credit do I have to pull a whole new credit report?
   Answer: No, you can contact us and we can correct the incorrect information manually on your report. If a bureaus needs to be repulled there is an additional fee.
10. Question: My borrower has just paid off all their debt, do I have to wait for the bureaus to update or is their something QC Credit can do to reflect these changes quickly?
    Answer: There are two options , you can order supplements and we can contact each individual creditor and update each account manually for the purpose of the mortgage loan or with proper documentation you can also order a fico recalculation which changes are made at bureau level permanently and the turnaround time is 2 business days.
11. Question: How long are Bankruptcies and other delinquent or derogatory credit reportable?
    Answer: Bankruptcy: Chapters 7,11, and 12 remain for 10 years from the filing date. Chapter 13 remains seven years from the filing date. Accounts included in bankruptcy will remain seven years from the date they were reported as included in bankruptcy.

    Suits and judgements- Seven years from date of entry or expiration of applicable statute of limitations, whichever is longer

• Paid Tax liens- seven years from paid in full date
• Unpaid tax liens- no limitation
• Charge off accounts- seven years

Other adverse information - seven years
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