We are dedicated to fair and accurate credit reporting for the purpose of evaluating the credit worthiness of each and every consumer with fairness, impartiality and the utmost respect for the consumer's privacy.

Royal Mortgage Credit Reporting is one of the largest independent providers of credit information exclusively to the mortgage industry. We provide credit information traditional and non traditional, along with other related information services including Flood Certifications, Fraud Detection, Business Reports and 4506 Tax return Verifications to mortgage and banking clients nationwide. We provide our clients with state-of-the art processing of credit information with advanced electronic data exchange in MISMO, XML, X12, MBA86 and other standard and proprietary formats over secure Internet and Private Wide Area Network connections.

Remote access to Experian (TRW), Trans Union and Equifax (CSC) for your merged infile needs. Royal Mortgage Credit Reporting is an approved Credit vendor to Fannie Mae/Mornetplus (DU/DO) and Freddie Mac/Loan Prospector, with reissue ability between both using the same credit report.We also have reissue ability with other investors such as GMAC-RFC AssetWise (AWD), GreenPoint, Flagstar and many others. We even still offer Residential Mortgage Credit Reports that meet or exceed all industry guidelines. We also offer online supplement tracking and email notifications.

*NEW PRODUCT* FICO Expansion score report available exclusively from Fair Isaac Credit Services, Inc., a subsidiary of Fair Isaac Corporation. The FICO Expansion Score report evaluates data from multiple non-traditional data sources to provide a complete view of the consumer's credit risk. Fair Isaac has selected the best commercially available data sources to power the score. Like the Classic FICO Score the FICO Expansion Score assigns a three digit score (range: 300-850) to each consumer as well as provides associated score reasons statements (up to five) giving the reasons consumers failed to score higher. Statistics from Fair Isaac indicate about one-fourth of the Adult U.S. population either lacks traditional credit reports or have credit files too thin for a Classic FICO Score. FHA is now accepting these reports.

Another useful suite of products comes from CreditXpert. CreditXpert technologies are the drivers for a more interactive lending experience, giving brokers and lenders a competitive edge in attracting, engaging and retaining customers on their way to closing 30% more loans. For consumers, the tools can help them take more control of their credit. These credit score tools can answer borrower specific What If credit score questions. And, offer suggestions on how a consumers unique credit maybe improved, short term and/or long term. And, by determining when to use rapid rescore, you can save time and money by improving your success rate while managing expectations. Provides predefined scenarios for ease of use and custom scenarios for full flexibility. The only simulator to handle multiple actions simultaneously and offer a rapid rescore mode for loan officers.

Additionally, we are pleased to announce our full participation in the Rapid Dispute Update Program or Rapid rescoring, with all three national credit bureaus. The Rapid Rescore service is an industry-wide effort to promote the expeditious updating of specific disputed credit information and the rescoring of the credit reports of mortgage consumers. This program is very effective in appropriate cases.