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PCS SERVICES AND PRODUCTS . Credit Reports - Single, Double and Tri-Merge . Residential Mortgage Credit Reports / Full Factual In depth report including credit history, employment information, rental verification and personal interview, plus all trade lines are updated within 90 days. . Risk Score Service PCS works directly with the three national credit repositories, to help recalculate credit risk scores. Upon submission of proper documentation to PCS by the client, PCS will notify the bureaus and within days, once all credit data is updated, risk scores will be recalculated.  . No Doc - Risk Score Service Same as above - no documents needed. The bureaus will manually verify via phone with the creditors to obtain the most recent/updated data. . Credit Supplements Upon request, PCS will investigate any information on a consumer's credit report. PCS will verify information, via phone, fax, or mail, and report the results on the PCS credit report. . FNMA/Freddie Mac Credit Reports PCS is an approved Fannie Mae vendor. ALL PCS credit reports come with Fannie Mae Reference Numbers for re-issue in DO/DUand formatted for reprocess with Freddie Mac's Loan Prospector (LP). . Tax Transcript Service PCS works directly with the IRS to provide tax transcripts, used for income verification. Transcripts are available for the past three years.  . PCS Bundled Services by ShaperLending ShaperLending is an online bundled service that distills lending information for fast and accurate action. With direct connections to credit, title, flood, automated valuation model, appraisal, document preparation, closing services vendors from a single, secure website, loan documents are electronically delivered in a professional and reliable manner.  The CreditXpert product suite, allows you to provide clients with innovative, personalized, credit management tools. SharperLending currently offers two CreditXpert products on our platforms; CreditXpert Essentials and the CreditXpert What-If Simulator.CreditXpert Detective.  Credit Assure alerts you to opportunities and how big they are, so you don't miss out. Running in the background, scanning all your credit files and utilizing CreditXpertT optimization and simulation technology. Credit Assure automatically presents findings on every file. You don't need to know anything about credit scoring - Credit Assure gives you all the answers.  CreditXpert Essentials advises applicants on the best actions that they can take to improve and truly maximize their credit rating. CreditXpert Essentials explores thousands of scenarios and then recommends only those scenarios best suited to improve an applicant's credit score. The CreditXpert Credit Analysis translates the jargon of credit data into straightforward and understandable terms by explaining to consumers their own unique credit data and factors influencing it.  The CreditXpert What-If Simulator allows users to simulate credit ratings by analyzing the results of actions on the applicants credit score before taking these actions. By doing these simulations applicants can understand and test the impact of these actions have on credit scores. Users select pre-defined scenarios (such as, increasing or decreasing balances, opening or closing accounts, transferring balances, etc.) or customize a scenario to experiment on specific accounts. By exploring scenarios, your applicants will understand if the actions have a positive or negative impact on their credit score.  CreditXpert Detective finds potential updates - even the ones that you may overlook. By scrutinizing the data within a particular credit report and comparing it against credit reports from other bureaus, you can rest assured that no stone is left unturned. The CreditXpert Detective is flexible and works the way you want: use it to find all potential updates or just as many updates as you need to raise the score a specified amount. . Employee Screening Services . Experian Business Credit Reports |