The full credit picture.

United One offers merged credit reports through Experian, TransUnion, and Equifax, with Fannie Mae and Freddie Mac access and reissue available through Desktop Underwriter/Originator® and Loan Prospector®. Our team brings extensive experience processing tradeline supplements, verifications of mortgage or rent, and a thorough credit rescore process.

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What's Included

Credit solutions for any borrower file.

Exceptional client service guaranteed.

Core Report

Residential Mortgage Credit Report Suite

Pre-qualification credit reports. Pre-approval credit reports. Tri-merge credit reports. Workflows designed with accuracy, consistency, and cost savings in mind. Integrate with any loan origination & point of sale systems.

Core Report

Undisclosed Debt Monitoring Services

Real time monitoring of the consumer's credit file from initial inquiry to avoid last minute surprises before closing.

File Update

Supplemental Report

Update tradelines quickly and accurately. Our FCRA certified team will guide you to the best outcomes. Verification of Mortgage & Rent: Verification of mortgage balance or credit history when needed; verification of rental for present or previous rental and payment history.

48-72-Hour Turnaround

Expedited Dispute Process

Leverage our experienced staff and credit simulators to uncover the highest credit scores available for your applicants. Credit bureau update within 72 hours, with the appropriate documentation required.

Score Tool

FICO Score Simulator

Score Tool

ScoreNavigator

How It Works

Ordered your way. Delivered to specification.

Place the order

Submit through your Loan Origination System or through our Client Portal.

Certified professionals take it

State-certified appraisers
Licenses Reviewed
E&O insurance verified before every assignment

Delivered on time

Reports delivered to both customer and market specifications of work quality and accuracy — with the turnaround your closing dates depend on.

Featured Product

Instant valuations, nationwide.

United One's Cascading Automated Valuation Model gives you instant valuations on properties nationwide — a fast first read on value before early in the loan process.

Ask About Cascading AVM
Appraisals Title & Settlement Real Estate Services Flood Determinations Your LOS
Ready When You Are

Real time access to skilled credit professionals.

A member of United One's team would be pleased to talk with you about this or any of our services in more detail.

Schedule a Meeting [email protected]

The success of our company is tightly connected to the success of our customers and our employees. We excel at personal customer service, process innovation, and technology leadership to improve and accelerate our customers' lending decisions.