Center Stage with Credit Plus, Inc.
This month I would like to introduce to you a company that will help you close loans. Credit Plus is an all-in-one credit services company that has many exciting features to help you do your job and make you shine in your clients eyes. In this difficult market where your borrowers credit scores could make or break your deal, even by one point, there is no better time than to team up with a company such as Credit Plus Inc., if you haven?t already.
Allen Johnson, Vice President of Sales and Marketing at Credit Plus Inc., has graciously sat down with The Niche Report to educate us about all that they offer.
How are your products and services helping mortgage professionals in today?s market?
In today?s sluggish mortgage market, mortgage professionals are facing many challenges in the quest to maintain business and stay competitive. Many of our clients are searching for ways to provide better service and added value for their customers. At Credit Plus, Inc. we have always made a commitment to offering the products, services and technology that can help accomplish this. That includes a one-stop shop approach that offers mortgage professionals some of the most reliable, robust credit reporting platforms on the market. In addition, we recently introduced Ariston, a Credit Plus, Inc. company that provides comprehensive title and settlement/closing solutions nationwide.
Tell us some history and background information on Credit Plus.
Credit Plus has been a leader in providing cutting-edge credit information services for 80 years. Our company has always been dedicated to helping mortgage professionals achieve their business goals through technology-based mortgage information solutions. In fact, we helped pioneer web-based credit reporting in the mortgage industry and continue to look for new technology and products that can help our clients achieve success.
Credit Plus is privately held, with headquarters in Salisbury, Maryland. Our philosophy of liberal staffing to handle rapidly increasing and changing business has helped us maintain extremely high client-retention rates.
Describe your key Credit Plus products.
Credit Plus offers a wide variety of credit-related products, including merged credit bureau reports, supplemental and business credit reports, and non-traditional credit reports that provide an alternative score for borrowers with little or no credit history.
The Credit Plus ScoreWizard is a web-based credit advisory tool that allows mortgage professionals to help borrowers reach their target credit scores. It gives mortgage brokers, bankers and lenders the ability to guide clients in improving their score and overall financial health. ScoreWizard consists of several key components:
? Analyzer looks at the positive and negative factors influencing the borrower?s credit score.
? Advisor suggests how to maximize and improve the score.
? What-If Simulator allows the broker to predict the results of specific actions by demonstrating the impact that activities such as adding/removing accounts and correcting errors will have on the score.
? Score Plus updates and rescores credit files in as little as 72 hours after the borrower has taken the recommended actions and the supporting documents have been forwarded.
? A new feature analyzes the effect of authorized user accounts (e.g., when a spouse or child is included on a credit card) on the borrower?s credit score by looking at the impact that removing those accounts would have on the score.
PRBC
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