All credit report types from one provider
ISC offers every report type your pipeline needs, from initial soft pull prequal through post-close monitoring, all on one account, one invoice, with one dedicated representative.
Tri-Merge (Hard Pull)
Industry-standard consolidated report combining all three bureaus. Used for full mortgage underwriting and current GSE workflows.
→ Full mortgage applicationsAUS Soft Pull
One, two, or three-bureau soft pull, no hard inquiry, no score impact, and may help reduce trigger lead exposure.
→ Pre-screening, consultationsMortgage Refresh Report
Re-pulls credit before closing and delivers a side-by-side comparison flagging every change, new accounts, new balances, new inquiries.
→ Pre-close verificationSingle Bureau Report
Cost-effective single-bureau pull for initial screening. Available from Equifax, Experian, or TransUnion individually.
→ Budget screeningRMCR Format
Residential Mortgage Credit Report formatted to MISMO standards for workflows that call for this report format. Requirements vary by lender, investor, and loan program.
→ Investor requirementsWhat trended data actually means for your loans
A traditional credit report shows a single point in time. A trended credit report shows how your borrower's balances, payments, and utilization have moved over the past 24 months.
This matters because VantageScore 4.0 and FICO 10T weight behavioral trends heavily. A borrower who has been consistently paying down debt looks meaningfully different from one whose balances have been climbing, even if their point-in-time score is identical.
- Declining balances may be viewed more favorably by trended scoring models
- Rising balances may score lower under trended models even with on-time payments
- Payment consistency over 24 months carries more weight than a single month's behavior
- Credit trends may be an important consideration when evaluating potential score changes
Mortgage credit scoring models and availability
VantageScore 4.0 is available for approved lender use in a limited rollout/interim implementation. VantageScore 4.0 is opt-in and not included by default. It can be added alongside Classic FICO or ordered as a VantageScore-only report. Classic FICO remains standard for lenders that have not been approved for VantageScore 4.0 use. Availability depends on investor, GSE approval, and platform support.
| Scoring Model | Bureaus | GSE Status | ISC Reports |
|---|---|---|---|
| Classic FICO (2, 4, 5) | All three | Standard for mortgage underwriting | ✓ Included as standard |
| VantageScore 4.0 | All three | Limited rollout for approved lenders | + Available to approved lenders where supported |
| FICO Score 10T | All three | Historical score data published July 2026; future lender use | Future lender use |
For approved lenders where supported, VantageScore 4.0 can be included alongside Classic FICO so both scoring models are available within the ISC workflow.
For approved lenders where supported, VantageScore 4.0 may be ordered without Classic FICO when permitted by the applicable investor, GSE, and platform.
Mortgage Refresh Report, review credit changes before closing
The most common cause of last-minute loan fallout is a change in borrower credit after the original pull, a new account opened, a balance spike, a new inquiry from a competing lender. ISC's Mortgage Refresh Report catches these changes before they cost you a deal.
What the Refresh Report shows
- Every new account opened since the original credit pull
- Balance changes on existing accounts, increases and decreases
- New credit inquiries from other lenders or creditors
- New public records, judgments, liens, collections
- Payment status changes since the original pull
When to order a Mortgage Refresh
- At the timing required by your investor or underwriting guidelines
- Before issuing a Clear to Close to verify no last-minute changes
- When you suspect a borrower may have applied for credit during the process
- When a rate lock is approaching and credit confirmation is needed
Credit freezes during a mortgage pull
When you try to pull credit and hit a freeze, the process stops until the borrower lifts it. ISC does not handle credit freeze or unfreeze requests. The borrower must contact each bureau directly, TransUnion 800-916-8800, Equifax 800-203-7843, Experian 888-397-3742. Once all three bureaus are unfrozen, the loan officer can contact ISC at 800-290-2801 or repull through the MeridianLink portal.
Report format and LOS delivery
- LOS-integrated delivery results returned directly to Encompass, Floify, MeridianLink, and 11+ other platforms
- Tri-bureau side-by-side layout all three bureau tradelines in a clean comparative format
- 24-month trended history balance and payment history shown as a visual trend per account
- Score summary page mortgage credit scores and middle score clearly displayed, with VantageScore 4.0 when ordered, where supported
- Consumer-friendly language formatted for easy explanation to borrowers, not just underwriters
- Adverse item flagging derogatory items and public records highlighted for quick review
Frequently asked questions
How quickly do I receive a tri-merge report?
Hard pull tri-merge reports and soft pull prequal reports are often returned within minutes of ordering, depending on bureau response. Note: ISC soft pull reports can also include trended data, ask your ISC support team for details.
Are ISC's reports already compatible with the new GSE scoring requirements?
VantageScore 4.0 is available for approved lender use in a limited rollout/interim implementation. VantageScore 4.0 is opt-in and not included by default. It can be added alongside Classic FICO or ordered as a VantageScore-only report. Classic FICO remains standard for lenders that have not been approved for VantageScore 4.0 use. Availability depends on investor, GSE approval, and platform support.
What if my borrower's credit is frozen?
ISC does not handle credit freeze or unfreeze requests. The borrower must contact each bureau directly to lift the freeze, TransUnion 800-916-8800, Equifax 800-203-7843, Experian 888-397-3742. Once all three bureaus are unfrozen, notify your loan officer so they can repull through the MeridianLink portal or contact ISC at 800-290-2801.
Do I need a separate vendor for Mortgage Refresh reports?
No, ISC provides Mortgage Refresh reports on the same account as your original pull. One vendor, one invoice, one call.