Products and services
For swift, accurate credit services — and a complete picture of a borrower’s creditworthiness — rely on Rels. Rels complies with all state and federal credit reporting regulations to protect both lenders and borrowers.
Rels is known as a nationwide leader in the area of dispute resolution and fraud prevention. Our proven track record in the areas of borrower education and resolving consumer disputes helps protect your reputation and lets you get on with business.
Traditional Credit Report
Rels offers rapid, online ordering of the industry’s leading credit reports, including Instant Merge™, a merged in-file or tri-merge report. Just click and order: You’ll receive Instant Merge data in seconds. Rels credit reports provide the information you need for quick, accurate prequalification, decisioning and underwriting.
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Alternative Credit Report
For applicants with little credit history or no credit score, our Anthem report provides information from a variety of non-traditional sources such as rent, utilities, and more to help you determine creditworthiness and close loans you may have otherwise lost.
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Verifications
Merge Plus is an ideal intermediate report when you require more borrower information, but less than a full residential mortgage credit report (RMCR). Merge Plus is approved by Freddie Mac and Fannie Mae for loan decisions.
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Credit Report Upgrades
For the most comprehensive credit profile, order the Residential Mortgage Credit Report (RMCR). This report provides updated tradelines and meets or exceeds all Freddie Mac, Fannie Mae, HUD and other industry standards.
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Credit Score Updates
Keep loans moving ahead and resolve credit report errors quickly with Rapid Recheck. Our credit professionals will work directly with you and your borrower to update credit information with the repositories, ensuring a trouble-free loan closing.
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Customized Credit Services
Use Rels expertise in data collection and analysis to access market intelligence, understand target markets, or to help evaluate an acquisition or sale. Our three batch services include account monitoring, batch and append, and portfolio credit review, along with account consulting and decision-system support.
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Fraud Detection Tools
Protect your business throughout the loan cycle and satisfy state and federally mandated requirements. Our integrated fraud and compliance solutions help minimize your risk by:
- Verifying identity
- Ensuring OFAC compliance
- Ensuring domestic and international compliance
- Providing detailed fraud analysis of any group of applicants or loans
- Preventing fraud and identity theft
- Verifying applicant income
- Verifying professional credentials
- Verifying applicants across a portfolio
LoanSafe is an industry-leading analytics and modeling tool to avert fraud, verify applicant information, and more. LoanSafe is the next-generation risk management and fraud detection technology that lets you identify early indicators of mortgage fraud, market volatility, and potential loss. It can also be customized for your individual credit and risk tolerances.
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Consumer Dispute Resolution
With one call, you can ease the complicated, time-consuming credit process for yourself and your borrowers. Rels’ Consumer Disputes Resolution service offers borrowers free access to our convenient, toll-free consumer disputes service. FCRA-certified specialists will work hand-in-hand with consumers to resolve any discrepancies with the national credit bureaus.
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Income Verification Services
Verify applicant and co-applicant income quickly with Rels’ Tax Return Verification (TRV) product that offer a variety of income verification options.
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