ISC provides mortgage credit products on one account, one invoice, and one support team that knows your workflow. From early-stage soft pulls and CreditXpert score simulation through rescores, supplements, verifications, and monitoring, it is all here.
ISC brings the mortgage credit and verification products your team uses under one account, one invoice, and one support team, helping keep files moving without adding unnecessary vendor complexity.
Tri-merge mortgage credit reports with 24-month trended data for underwriting. Classic FICO remains standard. VantageScore 4.0 is opt-in and not included by default; where supported it can be added alongside Classic FICO or ordered as a VantageScore-only report.
Learn more → No score impactPrequalify borrowers at the earliest stage of the conversation. No hard inquiry, no score impact, results in minutes where supported. Also known as Soft Pull Plus or Power Profile Plus.
Learn more → Cost-efficientStart with one bureau, add the rest only when the borrower passes your filters. The cascade stops when a frozen bureau is detected, helping prevent additional bureau attempts and unnecessary charges.
Learn more →Outdated credit information can stall a file. ISC helps submit verified updates to the bureaus for review, with a 24-hour rush available for time-sensitive files.
Learn more → Strategy firstModel potential score outcomes before spending rescore fees, using credit simulation tools. See a projected range before you act.
Learn more → ISC runs it for youISC runs CreditXpert simulations for clients, often in about 30 minutes. Our team has 20+ years of CreditXpert experience and helps explain projected score scenarios before you decide on the next step.
Learn more → Supplement supportVerify or update specific tradeline information so underwriting can move forward. Processed through documented creditor and repository verification by people who know mortgage files.
Learn more →VOI, VOE, SSA-89, Tax Transcripts, flood, criminal, eviction, and liens. The full verification stack on one account, one invoice, one call.
Learn more → Pipeline protectionMonitor for new credit activity between application and closing so your team can review potential undisclosed debt or inquiries before they create a last-minute underwriting issue.
Learn more → Pre-close essentialProvides updated credit information before closing when required by the applicable lender, investor, or loan program, helping identify changes such as new accounts, balances, or inquiries.
Learn more →Tell us how your team works and we will help you put together the right account. A real ISC team member will follow up within one business day.
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