Three bureaus report, single: single borrower report with all three bureaus. (tri-merge)  
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Three bureaus report, joint: married couple report with all three bureaus. (tri-merge). Click here for sample

Consumer Reports
These reports are personal reports that can be used to verify your credit information. All your credit information will show on this report, but it can not be used as a mortgage credit report. The credit score on a consumer report generally will be higher than what it will be on a mortgage credit report. To order a consumer credit report please click here for sample.

Business Credit Reports
How well do you know the companies you're doing business with?
Identify problems and minimize any risk to your profit margin. Experian's business credit reports provide business background, comprehensive financial information and credit risk facts in an easy-to-read, online format.
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Tenant Credit Reports for Landlords
-Residence Information — past and present residence information
-Credit History of Current Accounts — Status of accounts
-Credit History of Derogatory Accounts — accounts with late payments
-Collection Accounts — bad debt handled by a collection agency
-Public Records — personal tax liens, civil law suits, bankruptcy filings
-Inquiry List— listing of creditors that have inquired on your customer
Information provided Equifax

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Credit Analyzer: This add-on feature analyzes your clients credit reports based on credit cards debts and advises what your client can do to improve their scores. Simply following these suggestions, it will raise your fico scores within 3-5 days.   Only 1 out of 100% one's account may not be met. Click here for sample

What If Simulator
Take advantage of our What If Simulator, this will allow you to input different scenarios on the credit report and find out what the projected Fico Scores would be.

Predicts how one or more action will impact credit. For example, What-if an account is opened, closed, paid down, etc.; What-if a previous derogatory status or late payment status is change; What-if error on a file is corrected. The credit file is recalculated as if these changes occurred and a predicted score change appears immediately.  Helps support decisions on what steps to take, or not take, to improve credit in the immediate and long term.

-Change balances
- Add accounts to see the effect on the score
-Close open accounts
-Change status of accounts (collection to paid,   etc.)
- Estimated new score and score gain after action  taken.
- No Inquiry
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Direct bureaus update (Rapid Re-score): this feature allows your client to raise their FICO scores within 3-5 days, by updating information on credit profile that is being reported incorrectly. Proper documentations are required .

Rapid Re-score (No Documentation): this feature allows you to update information to the credit bureaus without documentations. The bureau will call the creditors to verify the information for them to Rapid Rescore the report. Experian and Transunion ONLY .

De-Merging Accounts (Experian Only) : information reported incorrectly (merged reports) such as variations (name, address, and phone numbers) and trade lines on your credit report that belongs to someone with the same name may be removed.

Trade line Account Verification:   we will contact the creditor to verify and update the accounts. Verification of mortgage (VOM) is required to acquire mortgage ratings. Non-traditional accounts are accounts such as PG&E, Pacific Bell, Cingular, and etc added to QC Credit Agency credit report only.  

Supplement: Changes on the credit report with proper documentation that reflects only on QC's credit file.

Fannie Mae Re-issue: applies when submitting online to a lender ie. (GMAC, Indymac, Chase Zippy, ect...) without pulling another credit file and using an existing QC Credit report . You would re-issue
QC 's report with the re-issue number provided on the report. Please select IR (Informative Research) on the drop down list.           

AVM (Online Appraisals) CASA / PASS : a computer generated residential property appraisal report that can be used in place of a physical appraisal. Click here for sample

TRV
Tax Return Verification
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