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  • Lenders obtain scores from the three repositories to create a credit profile


  • Scores can range from 400 to 850


  • Fannie Mae and Freddie Mac minimum score requirement is typically 620+


  • Different loan programs may require different levels of scoring
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  • We can run a credit report for your customers within 2 or 3 minutes.
  • All we need is the following basic information:
  • name, address, SSN, DOB and written authorization.
  • We can share this information immediately with automated underwriting (AUS) engines.
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  • We use the Middle score from the three bureaus for underwriting purposes:


  • 681←
  • 655
  • 701
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  • Removing “Bad” Credit
  • In the past…old credit, badly reported credit and updated credit accounts have taken months to correct.
  • As consumers of this industry we have been kept in the dark…
  • What affects my score?
  • How do I improve my score?
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  • Tips For Credit Improvement
  • Have a low balance on any “revolving” debt.  Try to maintain a balance of less than 50% on the credit cards maximum credit limit.
  • Open new accounts with low balances.
  • Paying off old collection accounts will temporally reduce your credit score!
  • Inquires will affect your score by 3 – 7 points for each new inquiry.
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  • New Update
  • Customers shopping mortgage options now have
  • 45 days for Lenders to pull new credit before it impacts their scores as an additional inquiry.
  • Multiple Mortgage Company inquiries count as ONE inquiry during this period of time.
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  • Analyzes individual credit data by bureau.


  • Simulates changes or corrections to a credit file.  Software predicts impact.






  • Can advise the borrower on the correct action to take.


  • Understand the impact before taking action and/or recommending action.
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  • Rapid Rescore


  • After reviewing CreditXpert™program we can contact any or all three bureaus for a Rapid Rescore. We can provide a Rapid Rescore within 3 to 5 business days.
  • Can improve score(s) so buyers may qualify for better terms on their mortgage loan.


  • Buyers may:
  • Qualify for Mortgage by improving credit scores.
  • May qualify for a “A” paper loan instead of sub-prime lending programs.
  • May be eligible for improved pricing with lender by improving score(s).
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  • Don’t have to rely on personal knowledge, experience or gut to determine what to do.
  • In the past we have spent too much time dealing with credit issues.


  • Consumers could be qualifying for better terms.
  • Eliminates guesswork.




  • Saves time.
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  • Another great reason for you and your customers to use the Mortgage experts at
  • Alliance Lending Group.


  • Click Here for More Information