Fraud & Compliance Solutions - CoreLogic · Keying off applicant information, ProScan ID accesses multiple data providers and sources to instantly deliver the most accurate applicant

P R O T E C T I N G Y O U R B U S I N E S S T H R O U G H O U T T H E L O A N C Y C L E

Fraud & Compliance Solutions

For more than four decades, First American CREDCO has been delivering the most widely available and accepted

credit reporting solution in the industry. Today, we offer a variety of customized products for every business

challenge, including comprehensive fraud and compliance solutions that protect you and your business throughout

the loan cycle.

It’s Your Business. Protect It.

According to the FBI, mortgage fraud is one of the fastest growing white collar crimes – with reports of such

incidences more than quadrupling since 2001. Mortgage fraud refers to a whole host of scams, including those that

involve artificially inflating the value of a property. First American CREDCO’s solutions help you:

Your Challenge. Our Solution.

A leader in consumer information services, First American CREDCO offers a wide range of integrated fraud and

compliance solutions that address today’s ever-changing local, state and federally mandated requirements.

For more information on our Fraud and Compliance Solutions, contact a First American CREDCO sales

associate at (800) 255-0792 or visit us online at www.credco.com.

Comply with CIP, Red Flags Rule, OFAC, USA PATRIOT Act, and other regulatory requirements

Monitor loan applicants for potential areas of non-compliance

Protect your business from fraud throughout the loan cycle

Accurately verify applicant identity, income, employment, and more

OBJECTIVE SOLUTION

Comprehensive identity verification

OFAC compliance

Domestic and international compliance, including OFAC and BSA/PATRIOT Act

Get SSN information direct from the SSA

Customized, detailed fraud analysis of any group of applicants or loans

Instant fraud screen

Identity verification score

Comprehensive applicant, agent and property fraud analysis

Verify applicant income

Verify applicant employment

Verify real estate professionals credentials and reputation

Verify applicants across a portfolio of loans

ProScan ID

ProScan OFAC

ProScan XL

ProScan SSN

ProScan IQ

ProScan Alert

ProScan Index

LoanSafe

4506-T Direct

Verification of Employment

Professional Screening Services

Data Services

C00400310

Helps satisfy compliance requirements for CIP and the Red Flags Rule

Verifies an applicant’s identity at anytime during the mortgage lending cycle

Easily integrated into your current LOS and other systems

Helps manage compliance risks to avoid fines, business restrictions

Expanded, best match search results from multiple data sources

P R O D U C TH i g h l i g h t s

12395 First American Way Poway, California 92064 Phone: 800.255.0792 www.CREDCO.com

First American CREDCO’s ProScan ID provides a convenient, automated means to help you meet compliance

requirements for the Customer Identification Program (CIP) – required by Section 326 of the USA PATRIOT Act – and Red

Flags Rule – required by Section 114 and 315 of the FACT Act. Together, they help answer the critical question, “Is your customer who they say they are?”

Keying off applicant information, ProScan ID accesses multiple data providers and sources to instantly deliver the most accurate applicant verification data available.

CIP & Red Flags Rule

ProScan ID provides a turn-key solution to help you establish processes to meet the compliance requirements in CIP and Red Flags Rule - quickly and easily. CIP requires businesses to form a reasonable belief as to the true identity of each of their customers. Red Flags Rule requires financial institutions to implement an identity theft prevention program. ProScan ID helps satisfy these requirements by verifying the accuracy of your applicant’s Social Security Number (SSN), name and address.

Best Match and Critical Discrepancies

Beyond standard alert products, ProScan ID delivers optimum best match results based on advanced logic and filtering algorithms. It recognizes and reports a variety of critical discrepancies involving an applicant’s SSN, such as cases where an SSN has been issued to multiple people; and invalid, deceased or stolen SSN’s. Results also include FACT Act alerts.

Drawing from multiple data sources, ProScan ID organizes data into “Identity Groups” with full data disclosure, making it easier for you to validate the accuracy of a loan applicant’s information.

For more information on ProScan ID, contact a First American CREDCO sales associate at (800) 255-0792 or visit us online at www.credco.com.

ProScan ID

FRAUD & COMPLIANCE

C00180608

CIP & Red F lags Ru le Compl iance So lut ion

Ref #: 1-24717-31453-0000 10/01/2007 TID #: 1-24717-31543 10/01/2007 10:36:20

CREDCO ProScan ID Report

Prepared For: Prepared By: ABC Mortgage Client Loan # : 12-345678B First American CREDCO 123 Main Street Account # : 4XX12 12395 First American Way Anywhere, CA 90123 Notes : 9210 Poway, CA 92064 Attention: John Jones Tel: (800) 300-3032 Fax: (800) 938-7200 URL: www.credco.com

APPLICANT INFORMATIONName Address Address

Type SSN DOB Age Phone App Ident

SAMPLE, STEVE Current:

Previous:

4536 FIRST AMERICAN AVE, TESTSITE, CA 93507123 EAGLE ROAD, TOMORROW, OR 56789

Own

Own

111-22-3333 01/15/1963 (619) 555-0012 APP1

WARNING SSN REPORTED AS DECEASED MULTIPLE NAMES HAVE BEEN RETURNED FOR THE INPUT SSN FRAUD ALERT PRESENT SIGNIFICANT SSN VARIATION

SSN INFORMATIONDeceased Information Submitted SSN Best Match Identity Issue Date Issue State Calculated

Issue Age Date of Death State of Death App Ident

111-22-3333 STEVE SAMPLE 1968 PA 5 02/29/04 AZ APP1

MATCH INFORMATION Address (associated with first name listed)

Item# SSN # of Entities Reporting SSN

Name(Best Match Shown First)

Spouse’s First Name YOB

Address Since Reported Date

1 111-22-3333 STEVE SAMPLE STEPHANIE 1963 4536 FIRST AMERICAN AVE TESTSITE, CA 93507 TEL: 012-345-6789 123 EAGLE ROAD TOMORROW, OR 56789 4307 N 54TH AVE PHOENIX, AZ 85032

06-00

05-99

12-95

01-06

06-00

04-99

2 777-44-6666**

111-22-3333

14

4

STEPHAN R SAMPLEE* STEPHANE SAMPLEE STEPHANE R SAMPLEE STEPHAN R SAMPLE

*Fraud Alert present **Different SSN

JOSEPHINE 1977 372 SPRUCE ST NASHUA, NH 03063 193 SOUTH AVE TACOMA, WA 98444

10-99

01-03

04-03

10-06

End of ProScan ID Report

1

3

4

7

89 10

Reference Number: Uniquely identifies & links First American CREDCO’s customer to the consumer

Transaction Identification (TID): A unique 11-digit number that identifies individual transactions, along with the date and time the transaction took place

Prepared For & Prepared By: Important contact information displayed at the beginning of the report for easy reference. Client Loan#: Conveniently located so you can easily match reports with loan documents on file.Notes: A field that allows you to type additional information for your reference

Applicant Information: Displays all submitted applicant information

Warning: Highlights suspicious activities that require further investigation. Displays FACT Act specific messages, multiple SSNs, SSN reported as deceased and multiple names

SSN Information: Displays the Social Security number information for the best match identity. SSN Information includes issue date, issue state, calculated issue age, and if reported deceased, the date of death and state of death.

Calculated Issue Age: Presents the age of the Social Security number

Match Information: An Identity Group with its corresponding information, such as spouse’s first name, year of birth and address(es)

YOB: Year of Birth of the Identity

Since and Reported Date: Indicates the first time the address was reported and last updated

1

3

4

5

6

78

910

2

SAMPLE REPORT KEY

22

4

5

6

This sample report was created to showcase a wide variety of format features. As such, the data content represented here may not be consistent across all report sections. C00260208

Helps satisfy compliance requirements for OFAC, CIP and Red Flags Rule

Advanced match logic reduces the likelihood of false positives

Simultaneous applicant and co-applicant screening

Helps mitigate repurchase, default and delinquency costs

Delivers fast, easy-to-read results with detailed data when possible matches are found



First American CREDCO’s ProScan OFAC, as part of your overall compliance solution, helps ensure that your business

doesn’t unknowingly aid in terrorist financing. Specifically, it’s a quick and easy way to help your business satisfy the

USA PATRIOT Act’s Customer Identification Program (CIP) and Office of Foreign Assets Control (OFAC) compliance requirements.

Best Match and Critical Discrepancies

ProScan OFAC automatically checks all of your applicants against the OFAC database and, within seconds, returns easy-to-review results. Optimum best match results are delivered based on an advanced matching algorithm that recognizes misspellings, alternate foreign spellings, typographical errors and abbreviations.

CIP Compliance

ProScan OFAC can assist you with Customer Identification Program (CIP) compliance efforts. Part of the USA PATRIOT Act, CIP requires businesses to form a reasonable belief as to the true identity of each of their customers and screen them against government watch lists, such as those maintained by the Office of Foreign Assets Control. ProScan OFAC helps satisfy this requirement, guarding against money laundering and terrorist financing as well as protecting you from risks associated with non-compliance.

Convenient Integration

Easily integrated into your existing LOS and other systems, ProScan OFAC can be conveniently accessed at any point of the workflow process, from screening and prequalification, application, and underwriting to post-close/QC and servicing.

For more information on ProScan OFAC, contact a First American CREDCO sales associate at (800) 255-0792 or visit us online at www.credco.com.

ProScan OFAC

FRAUD & COMPLIANCE

C00190408

OFAC Screen ing Compl iance So lut ion



C o m p r e h e n s i v e A p p l i c a n t I D C o m p l i a n c e S o l u t i o n

First American CREDCO’s ProScan XL provides a

comprehensive solution to assist with your overall fraud

management and compliance program.

Protect Your Reputation

ProScan XL helps financial institutions and mortgage lenders

comply with the Office of Foreign Assets Control (OFAC),

Bank Secrecy Act (BSA) and the USA PATRIOT Act. This

customizable solution lets you check applicants against more

than 25 domestic and international lists of known or suspected

terrorists and money launderers.

Search Groups and Watch Lists

1. OFAC: Compliance and screening against the OFAC list of

blocked persons and countries.

2. Homefront: For Customer Identification Program (CIP)

compliance, screens against domestic government lists, such

as the FBI lists, Terrorist Exclusion List and the Primary

Money Laundering Concern List.

3. PEPS: Politically Exposed Persons database.

4. Extended: International and country-specific lists, such as the

Bank of England, INTERPOL, Monetary Authority of Singapore,

World Bank and more.

Convenient Integration

Easily integrated into your existing LOS, ProScan XL can be

conveniently accessed at any point of the workflow, from

screening and prequalification, application and underwriting

to post-close/QC and servicing.

For more information on ProScan XL, contact a

First American CREDCO sales associate at

(800) 255-0792 or visit us online at www.credco.com.

ProScan XL

FRAUD & COMPLIANCE

Assists with federal compliance efforts with OFAC, BSA and the USA PATRIOT Act

Uses an advanced matching algorithm that returns fewer false positives

Recognizes misspellings, alternateforeign spellings, typographical errors and abbreviations

Customized to your needs and risk analysis

Minimizes manual due diligence workload by automatically identifying and indicating false positives

Delivers fast, easy-to-read results with detailed data when possible matches are found

Provides follow-up action steps and the watch list administrator’s contact information in the event a possible match is found

C00200608

Verify SSN data directly through theSocial Security Administration office

Delivers accurate, real-time verificationof SSN data

100% fully automated process for instantresults

Helps meet your fraud and complianceneeds, quickly and conveniently

Convenient, 24/7 online access to SSNverification

P R O D U C T H i g h l i g h t s


First American CREDCO’s ProScan SSN gives you direct, reliable access to the Social Security Administration (SSA)

for exact verification of your applicant’s name and Social Security Number (SSN). ProScan SSN saves you time by

delivering real-time accurate verification results, while helping you meet fraud and compliance requirements quickly and conveniently.

Simple, reliable real-time verification

Unlike other SSN verification providers, First American CREDCO’s ProScan SSN is a 100% fully automated online solution. Instantly verify applicant SSN data, 24/7.

Using the convenient online document upload feature, simply upload your signed and dated consent form (Form SSA-89), then key in the corresponding applicant information in the data fields available and click “submit”. The SSA will verify – in real-time – whether or not the information you provided matches or does not match with the SSN data they have on file.

For more information on ProScan SSN, contact a First American CREDCO sales associate at (800) 255-0792 or visit us online at www.credco.com.

ProScan SSN

FRAUD & COMPLIANCE

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Automated SSN ver ificat ion d i rect ly through the SSA

Applicant Name

Social Security Number

Date of Birth

An easy, convenient ID verification tool that helps satisfy requirementsunder CIP and Red Flags Rule

Helps protect lenders and brokers against fraud and identity theft

Easy-to-read, text-based explanations for any ID inconsistencies

Fraud data merged from all 3 national credit bureaus into one simplified format

Delivered automatically with every credit report



The FTC estimates that as many as 9 million Americans have their identities stolen each year.

It’s Your Business. Protect it.According to the Federal Trade Commission, identity theft is one of the largest white collar crimes in the history of the United States.

Now you can help protect your business, your profits and your clients with ProScan Alert from First American CREDCO. ProScan Alert is designed to help you prevent identity theft before it happens.

Automatically delivered with your applicant’s credit report, ProScan Alert enables you to quickly confirm an applicant’s identity by verifying their Social Security Number, address and telephone number.

Fast Delivery. Comprehensive Data.Generated in seconds, ProScan Alert delivers either an “all clear” or standardized text-based messages that provide a basic indication of any ID inconsistencies. It merges fraud alert data from one, two or all three national credit bureaus and displays results in one easy-to-read summary format.

FREE Red Flag Summary ReportIncluded free when you sign up for ProScan Alert, you’ll automatically get First American CREDCO’s Red Flag Summary – a streamlined report that summarizes critical consumer identity verification information. The summary report is designed to help you quickly and easily reference pertinent applicant identity information to help you assess risk, minimize fraud-related losses and maintain compliance with the Customer Identification Program (CIP) and Red Flags Rule.

For more information on ProScan Alert, contact a First American CREDCO sales associate at (800) 255-0792 or visit us online at www.credco.com.

ProScan Alert

FRAUD & COMPLIANCE

C00551208

I d e n t i t y F r a u d A l e r t

– www.FTC.gov

An easy, convenient ID verification tool that helps satisfy requirements under CIP and Red Flags Rule

Helps protect lenders and brokers against fraud and identity theft

Easy-to-read explanations for any ID inconsistencies

3-digit score: the higher the score, the greater the likelihood of identity risk

Delivered automatically with every credit report



The FTC estimates that as many as 9 million Americans have their identities stolen each year.

It’s Your Business. Protect it.According to the Federal Trade Commission, identity theft is one of the largest white collar crimes in the history of the United States.

Now you can help protect your business, your profits and your clients with ProScan Index from First American CREDCO. ProScan Index, a risk-based identity verification tool, is designed to help you prevent identity theft before it happens.

Automatically delivered with your applicant’s credit report, ProScan Index provides a three-digit numeric score (ranging from 000 to 999) that indicates the level of risk associated with that applicant – the higher the score, the greater the probability of identity risk.

Fast Delivery. Easy To Read.ProScan Index helps you quickly confirm an applicant’s identity by verifying their Social Security Number, address and telephone number. Generated in seconds, it provides an ID risk score along with easy-to-read explanations for any ID inconsistencies. Discrepancies are displayed in a logical, simplified layout for easy interpretation.

FREE Red Flag Summary ReportIncluded free when you sign up for ProScan Index, you’ll automatically get First American CREDCO’s Red Flag Summary – a streamlined report that summarizes critical consumer identity verification information. The summary report is designed to help you quickly and easily reference pertinent applicant identity information to help you assess risk, minimize fraud-related losses and maintain compliance with the Customer Identification Program (CIP) and Red Flags Rule.

For more information on ProScan Index, contact a First American CREDCO sales associate at (800) 255-0792 or visit us online at www.credco.com.

FRAUD & COMPLIANCE

C00250508

I d e n t i t y R i s k S c o r e

ProScan Index

– www.FTC.gov

Helps protect your business from potential mortgage fraud on new loan applicants

Convenient at-a-glance summary of fraud activity for auditing and evaluation

Compares data against national averages for benchmarking

Helps meet Red Flag, Customer Information Program (CIP), and Know Your Customer (KYC) requirements

Provides fraud activity by geographic distribution for easy evaluation

Third-party reporting provides reliable, objective data and results



First American CREDCO’s ProScan IQ report provides a critical step to help you protect your business from the risk

of mortgage fraud. One of the most reliable and unique fraud analysis reports available, ProScan IQ gives you a window

into the quality of loan application data coming in through one or more of your origination channels.

It’s Your Business. Protect it.

Based on your actual customer loan application data, ProScan IQ is a monthly aggregated report that can help you identify trends in fraud, and mitigate potential risk. We use proven search logic capabilities to analyze your applicant information, identify those that pose a potential risk for mortgage fraud, and present findings in an easy-to-read summary report. Key identity metrics include:

Social Security Number inconsistencies; not issued by SSA; reported as deceased or misused

Names returned that don’t match names submitted

FACT Act fraud alert indicator

Consultative Analysis

Our personalized, consultative approach helps you understand critical findings and, more importantly, what they mean so you can take actionable steps to protect your business from mortgage fraud. For more information on ProScan IQ, contact a First American CREDCO sales associate at (800) 255-0792 or visit us online at www.credco.com.

ProScan IQ

FRAUD & COMPLIANCE

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R e l i a b l e f r a u d a n a l y s i s o n l o a n a p p l i c a t i o n d a t a

ProScan IQ ReportABC Mortgage

March 2008

Summary of Actual Transaction Volume

February 2008ProScan ID File Count 300

Summary of Fraud Activity

Files with Red Status Messages - High Risk Files 30

Count of Files based on Red Status MessagesSSN reported as deceased 0SSN not issued by Social Security Administration 2SSN issued before year of birth 0SSN has been reported misused 0Significant SSN Variation 8Name(s) returned do not match name submitted 15FACT Act: Fraud Alert Present 10

Files with Multiple Red Status or High Risk Messages 11

Geographical Distribution of Fraud Activity

Areas with the Highest Number of Red Status or High Risk Files (Based on a five-digit zip code level)

Disclaimer: This report is for illustrative purposes only.

Incidence of High Risk Files (%)

10%

8%

0%

2%

4%

6%

8%

10%

12%

14%

16%

ABC Mortgage National Average

9

8

6

2

1

0

2

4

6

8

10

62707 - Springfield,IL

59715 - Bozeman,MT

59804 - Missoula,MT

59937 - Whitefish,MT

59847 - Lolo, MT

Zip Codes - City and State

# of

Hig

h R

isk

File

s

Simplifies fraud risk analysis

Calculates a risk-based score and streamlines the approval of low risk loans

Quickly identifies high risk loans, reducing overall loan default exposure

Enables more efficient use of AVMs

Conveniently available online viaCREDCO.com



LoanSafe from First American CREDCO provides mortgage professionals with a full risk view of every loan offering a

convenient, single-step analysis. The result is a highly accurate loan risk picture delivered in an easy-to-understand report format so you can make sound lending decisions.

Mitigate Fraud RiskLoanSafe provides a 360-degree view of the major areas of mortgage fraud – the borrower, the property and the broker and agent selling the property. Using an advanced algorithm that scans multiple data sources, LoanSafe enables mortgage professionals to efficiently assess the risk and fraud potential in a loan transaction – without the technical jargon and complexity. The result is a comprehensive report that includes a simple summary that provides a risk score for each major fraud area.

Full Risk View – Agent, Borrower and CollateralLoanSafe provides risk scores on key areas of fraud such as:

These key areas are then summarized in an overall risk score – the higher the score the greater the overall risk. LoanSafe also contains the only industry-wide solution for evaluating and grading brokers and agents, so mortgage professionals can promptly evaluate any third party based on the quality of loans submitted.

Precise Results Delivered InstantlyAvailable online through CREDCO.com, LoanSafe quickly and precisely analyzes loan risk factors most predictive of fraud that contributes to early payment default and loss severity. Its powerful results make LoanSafe an effective, comprehensive loan risk management tool.

For more information on LoanSafe, contact a First American CREDCO sales associate at (800) 255-0792 or visit us online at www.credco.com.

LoanSafe™

FRAUD & COMPLIANCE

C00570109

C o m p r e h e n s i v e L o a n R i s k A n a l y s i s

PropertyApplicant IdentityApplicant IncomeOverall borrower riskBrokerOverall market risk

Verify income information going back up to three years

Supplies up to nine distinct lines of tax return income data

Delivers an easy-to-read report with an actual IRS transcript that includes all schedules

Validate applicant information within 24-48 hours

Helps you make more informed underwriting decisions, and minimize fraud risk

Supported by a dedicated team of customer care and technical support specialists



According to the FBI, industry losses due to mortgage fraud continue to climb, reaching billions of dollars each

year. First American CREDCO’s 4506-T Direct solution can help minimize losses, and protect you from fraud and

identity theft by verifying an applicant’s income.

Simple, Reliable SolutionOur 4506-T Direct service provides a simple, reliable way to validate applicant information within 24-48 hours. The result is an easy-to-read report with an actual IRS transcript that includes all schedules. An email confirmation includes an Internet link, which provides a convenient way to view, download and print your report.

Identifies false or inaccurate tax information

Searches up to three years of IRS-verified data on the borrower(s)

Calculates a comparison between the borrower-supplied 1040 data and IRS data

Detailed, Comprehensive ResultsWhile other income verification tools merely list the borrower’s adjusted gross income, First American CREDCO’s 4506-T Direct lists nine elements from the 1040, including wages, business income or loss, other income and adjusted gross income. The report also calls attention to discrepancies between your borrower-supplied data and the IRS-verified information by identifying suspect data.

Ordering a 4506-T DirectDue to our direct connection with the IRS, obtaining a First American CREDCO 4506-T Direct is easy via Credco.com. If you include a copy of the first page of the borrower’s 1040 tax return for each year ordered, the report can include a comparison to data on file with the IRS, and identify any variations. This process helps identify altered tax returns and avoid fraud-related losses. For more information on 4506-T Direct, contact a First American CREDCO sales associate at (800) 255-0792 or visit us online at www.credco.com.

4506-T Direct

FRAUD & COMPLIANCE

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I n c o m e V e r i f i c a t i o n S o l u t i o n

Verify an applicant’s employment status and history

Avoid fraudulent loan attempts

Each applicant personally and thoroughly researched

Easy online ordering through CREDCO.com

Annual projected income data available separately



Convenient and Reliable VerificationFirst American CREDCO’s verification of employment

(VOE) services help prevent fraudulent attempts at obtaining a loan, and save you time by providing a reliable

and streamlined way to verify an applicant’s employment information.

Our team of specialists personally researches each applicant to verify employment history, such as current and previous employment, full or part-time status, and length of employment.

Avoid Costly Defaults and ForeclosuresOur verification services can be used at any stage of the lending process. However, given today’s volatile market, it’s especially critical to verify employment history at the point of loan initiation to avoid costly default and foreclosure costs later on.

Mitigate Loan Modification RiskWhen it comes to loan modifications, VOE can help you prevent the biggest risk – quickly and accurately – by helping you reason-ably determine whether or not a borrower can repay a loan. Our VOE services are designed to help you make lending decisions more confidently, while helping to ensure the integrity of a loan or loan portfolio.

Online Ordering. Fast Results.Available online, ordering a VOE report is fast and easy through CREDCO.com. In some cases, results can be delivered in hours so you can make sound lending decisions fast.

Easy to InterpretVerified employment information is displayed in an easy-to-read report format, which includes date of verification, the contact validation method and the verifier’s name for quick interpretation.

For more information on Verification of Employment services, contact a First American CREDCO sales associate at (800) 255-0792 or visit us online at www.credco.com.

Verification of Employment (VOE)

FRAUD & COMPLIANCE

C00570109



First American CREDCO offers third-party auditing and

certification services to help protect your business from

mortgage fraud. Our customizable Professional Screening

services provide an easy solution for ensuring compliance

requirements for your new and existing brokers, appraisers,

agents, net branch and other real estate professionals.

FCRA-trained specialists validate basic business identification

information – licensing, agency approvals, business, banking,

and insurance references – and provide Industry Fraud and

Sanction Data. Civil, federal and criminal background checks are

also available as a stand-alone service. Instant Merge PRO, our

soft-inquiry employment credit report, can also be ordered to

assist with your broker qualification process. We deliver only the

information you need so the results are quick, relevant and easy

to interpret.

Certify New and Existing Real Estate Professionals

Our Professional Screening services are designed to support

multiple stages of your compliance process. From certifying new

professionals to recertifying existing contractors, or as part of a

comprehensive audit of your entire professional network, we can

tailor a program to fit your business needs.

Professional Screening services offer several report delivery

options, including ThirdParty Manager from First American

CoreLogic. ThirdParty Manager allows you to easily manage the

certification and recertification process from one convenient

location. Our third-party Professional Screening services help

reduce business costs, maximize efficiencies, and help to

maintain the integrity of your business.

For more information on the benefits of outsourcing for

Professional Screening, contact a First American

CREDCO sales associate at (800) 255-0792 or visit us

online at www.credco.com.

Professional Screening

FRAUD & COMPLIANCE

Minimize risk of fraud; ensure professional requirements are satisfied

Criminal background checks available as stand-alone service

Instant Merge PRO soft-inquiry credit reports available for broker qualification

Standard certification packages or a-la-carté services save time and money

Fully-customizable solution that simplifies the certification and recertification process

Reduce compliance costs and maximize efficiencies

Get electronic results fast – review process takes just 24 to 48 hours

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B a t c h a n d A p p e n d S o l u t i o n s

First American CREDCO’s Data Services provides an easy, practical solution for protecting the value of your loan

portfolios, and ensuring that they meet state and federally mandated compliance requirements.

Are your loan portfolios at risk?

Loan risks can change over time, particularly with a book of business that may include individual loans that weren’t properly or thoroughly screened. To protect you and your business, it makes sense to regularly maintain compliance and implement an ongoing data assessment program to ensure the value of your portfolios.

Batch and Append Database Services

With our Batch and Append services you can significantly reduce the risk in mortgage portfolio transactions. By augmenting your loan files with database information from First American CREDCO, you can be confident that your business decisions are based on the most current and complete risk data available.

Batch and Append enhances data by adding, as needed:

Borrower credit characteristic data, such as accounts,

balances, and payment status

Fraud risk indicators, such as ownership changes, flips,

payment and mortgage status

Fraud risk and FACT Act alerts for name, address and

Social Security Numbers

USA PATRIOT Act and OFAC filters

Additional domestic and international

“Know-Your-Customer” lists

Data Services from First American CREDCO helps ensure compliance with state and federally mandated requirements, reduce business costs, and maintain the integrity of your business.

For more information on Data Services, contact a

First American CREDCO sales associate at

(800) 255-0792 or visit us online at www.credco.com.

Data Services

FRAUD & COMPLIANCE

Screen for FACT Act, USA PATRIOT Act, OFAC and other risk indicators

Ensure compliance with federally mandated requirements, and protect the value of your portfolios

Comprehensive Batch and Append services significantly enhances data evaluation

Enhanced data includes borrower credit information, such as accounts, balances and payment status

Regularly monitor all or portions of a portfolio with alerts when data passes specified threshold values

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9 out of 10 top lenders agree: First American CREDCO

delivers innovative solutions that keep pace with today’s dynamic

business climate.

Performance has made First American CREDCO a leader in

consumer information solutions for more than four decades.

Leveraging the latest technology and our vast data resources, we

continue to set the industry standard – and value benchmark – for

reliable products, fast delivery and technical innovation.

Leadership is why top mortgage lenders trust First American CREDCO.

We were the first to provide credit data to the mortgage industry, and

today we are the industry’s primary source for fast, reliable consumer

information products. We provide innovative credit reporting tools,

comprehensive identity verification solutions, portfolio analysis and

consulting services, as well as non-traditional credit information products

that offer new business opportunities. First American CREDCO is the

#1 choice of secondary market investors, including Fannie Mae and

Freddie Mac.

Vision is the foundation for First American CREDCO’s expanding line of

innovative products and services. Our consumer information solutions

have enabled top lenders to make sound business decisions for more

than 40 years. Today, we continue to identify new ways, and create new

products, to help our customers make smarter business decisions across

an ever-changing marketplace.

Setting the Pace

Top national mortgage lenders depend on First American CREDCO to

set the pace for leading products, customized consumer information

solutions, quality customer care and reliable technical support.

Focusing on solutions that support our customers

throughout the lending process.

Why Top Mortgage Lenders Rely OnFirst American CREDCO

P e r f o r m a n c e . L e a d e r s h i p . V i s i o n .

Proven systems uptime

Consumer informationdelivered in seconds

High-volume capacity

National field presenceand processing centers

Dedicated customercare and technical

support

Only redundant hotbackup and disasterrecovery site in the

industry

Customized deliverymethods, media and

channels

C00150307

Documents

Fraud & Compliance Solutions - CoreLogic · Keying off applicant information, ProScan ID accesses multiple data providers and sources to instantly deliver the most accurate applicant