INTEGRITY, SERVICE AND EFFICIENCY

1 Source Data shares the Credit union’s commitment to customer service and consumer rights. Credit Unions choose 1 Source Data for three reasons: integrity, value and a wide range of services.

Integrity in Credit Reporting Services starts with a wide variety of electronically delivered reports, and continues by adding special features that cut expenses, like Instant View, UnMerge, Mortgage Only and Creditor Comparison -- all available at no charge. We offer inexpensive Single Bureau and Automotive reports, complete 3-bureau reports and hard to find reports like Full Factual, Canadian and Business credit.

Integrity means services that add to the accuracy of a member’s credit record. TradeLine Update investigates suspected errors and adds verifications to the report. TradeLine Rescore uses member provided information to notify bureaus and quickly confirm the correction. When credit problems are common, you can reduce origination costs by ordering our Tri-Merge Plus 3 report. It includes three updates and a 3-bureau report at package price.

PRODUCTS THAT PUT MEMBERS FIRST

Score Advisor safeguards a Credit Union’s reputation for trusted financial advice. Score Advisor builds a list of steps the member can take to increase their credit score. The real-time, web-based Rescore Simulator calculates the likely credit score increase for each positive step, and optimizes the use of the borrowers cash to pay-down or pay-off troubling trade lines. It’s a real service to members.

If a third-party lenders wants to see a report – either the original or an amended report – order Instant View. An ID and password allows inspection through the web. For special protection, activate Fraud Alert to check all three-bureau reports for identity theft and inconsistencies between the application and the credit reports.

Credit Unions are localized lenders, so they need to monitor the value of nearby homes and the trends affecting the area’s real estate. Value Comp and Quick Comp offer instant property valuations, based on the most rigorous review of current comparable sales. They are inexpensive decision making tools and cost hundred’s less than time-consuming on-site appraisals.

Sometimes a member can’t find their tax records. It’s easy to fax-in our Income Verification Services forms and confirm up to 3 years of income in 48 hours or less. And getting Flood Certificates (including life of loan protection) is just as easy.

And on those occasions when the local notary is busy or on vacation, or the member just can’t make it in to the office, Notary Services will arrange an appointment with one of our 12,000 qualified professionals. Appointments are confirmed in 20 minutes or less, and you are guaranteed professional representation.