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The month at a glance
Eight numbers across the top: volume, bureau coverage, the median borrower score, the files still waiting on a bureau and the spend worth a second look. Spend comes last, not first.
OWNER SNAPSHOT
- Orders: 56 borrower orders in August 2026, placed by 15 users.
- Three-bureau coverage: 46 of 56 orders (82.1%) returned all three applicant bureau scores.
- Middle score: median 718 on the 47 orders with all three scores. 9 orders had no middle score.
- Pipeline: 7 files still waiting on a bureau at month end, 2 files cleared through a bureau copy for $32.00, and 18 earlier files still being worked.
- Repeat pulls: 6 borrowers pulled more than once. 3 are worth a question, 3 explained by the file.
- Worth a second look: $793.10 across 10 files, from repeat pulls worth a question and paid pulls that returned no middle score.
- Spend: $6,262.37 net billed, $111.83 per borrower order. Card and SmartPay covered $4,305.47 at the time of order. The billing detail at the back ties every dollar to a file.
By branch
Each order and each charge is placed in the branch of the user who placed it, as set on the ISC account. Charges include every service billed to that branch this month. Median score is shown where a branch has five or more scored orders, and cost per order where it has three or more orders.
| Branch | Orders | Charges | Cost / Order | Median Score | No Score | Worth a Second Look | Waiting on a Bureau |
|---|---|---|---|---|---|---|---|
| Northshore | 44 | $4,899.08 | $111.34 | 718 | 7 | $614.23 | 5 |
| Canyon Ridge | 12 | $1,363.29 | $113.61 | 681 | 2 | $178.87 | 2 |
| Company | 56 | $6,262.37 | $111.83 | 718 | 9 | $793.10 | 7 |
Pipeline
Where this month's files stand at the end of August, oldest first in each list.
WORK THIS LIST. 7 FILES WAITING ON A BUREAU
| Borrower | File # | Bureaus That Did Not Return | Order Date | Days Open | Billed To | Branch | Paid By | Billed |
|---|---|---|---|---|---|---|---|---|
| Oakby, Yusuf | 1612266 | Applicant EQF+EXP+TUC | 08/06/2026 | 25 | Kit Sommerfeld | Canyon Ridge | Card | $58.43 |
| Thornstead, Beatrix | 1612422 | Co-applicant TUC | 08/07/2026 | 24 | Willa Draycott | Northshore | Card | $120.44 |
| Birchstead, Flora | 1612432 | Applicant EQF+EXP+TUC | 08/08/2026 | 23 | Grady Whitlock | Canyon Ridge | Card | $120.44 |
| Redridge, Ivo | 1612819 | Applicant EQF | 08/12/2026 | 19 | Dorian Raghavan | Northshore | SmartPay | $41.00 |
| Stanmore, Zeke | 1613556 | Applicant EQF | 08/19/2026 | 12 | Oswaldo Vanterpool | Northshore | Card | $53.30 |
| Caldley, Adele | 1613594 | Applicant EQF | 08/20/2026 | 11 | Brynn Hallowell | Northshore | Company | $52.00 |
| Langwell, Yara | 1613687 | Applicant EQF+EXP+TUC | 08/20/2026 | 11 | Ramona Estes | Northshore | Company | $57.00 |
| 7 files | $502.61 |
The next step is a conversation with the borrower, not another order: ask whether a security freeze is in place at the bureau shown. If it is, ISC can copy the file once it is lifted and charge only for the missing bureau.
CLEARED THIS MONTH. 2 FILES RECOVERED THROUGH A BUREAU COPY
| Borrower | Original File | Copy File | Bureaus Recovered | Billed To | Cost |
|---|---|---|---|---|---|
| Marshmore, Kasper | 1612859 | 1612873 | Applicant EXP | Oswaldo Vanterpool | $16.00 |
| Langby, Zeke | 1614078 | 1614413 | Applicant TUC | Oswaldo Vanterpool | $16.00 |
| 2 files | $32.00 |
Only the missing bureaus were charged. A typical full credit report on this account is $117.50.
STILL MOVING. 18 EARLIER FILES WORKED THIS MONTH
| Borrower | File # | Order Date | Billed To | Work This Month | Billed |
|---|---|---|---|---|---|
| Redley, Teague | 618558 | Tamsin Castellan | Income history (2) | $156.00 | |
| Westton, Jonah | 1604172 | Oswaldo Vanterpool | Supplement (3) | $39.00 | |
| Dunwell, Piers | 1604861 | Tamsin Castellan | Fannie Mae DU retrieval | $0.00 | |
| Crestby, Greta | 1606193 | 06/03/2026 | Hollis Tremblay | Supplement, one of three free per file | $0.00 |
| Bramford, Saoirse | 1606975 | 06/09/2026 | Leona Vantrease | Supplement, one of three free per file | $0.00 |
| Kingsford, Viggo | 1612980 | 06/09/2026 | Ramona Estes | Tri-merge soft pull | $0.00 |
| Oakridge, Flora | 1607258 | 06/15/2026 | Leona Vantrease | Supplement, one of three free per file, Supplement | $13.00 |
| Caldby, Nell | 1608234 | 06/19/2026 | Ramona Estes | Supplement (2) | $26.00 |
| Redley, Teague | 1608128 | 06/23/2026 | Tamsin Castellan | Fannie Mae DU retrieval | $0.00 |
| Lockford, Sabine | 1608203 | 06/24/2026 | Delpha Okafor | Supplement (2) | $26.00 |
| Marshcombe, Yara | 1608278 | 06/24/2026 | Brett Halvorsen | Supplement, one of three free per file | $0.00 |
| Wakewood, Kira | 1608613 | 06/29/2026 | Ramona Estes | Supplement (2) | $26.00 |
| Langmore, Kira | 1608954 | 07/02/2026 | Leona Vantrease | Supplement (2) | $26.00 |
| Kingsmore, Rune | 1608991 | 07/02/2026 | Tamsin Castellan | Fannie Mae DU retrieval | $0.00 |
| Millley, Wren | 1609227 | 07/07/2026 | Leona Vantrease | Supplement, one of three free per file (3) | $0.00 |
| Crestwick, Flora | 1609875 | 07/13/2026 | Ramona Estes | Supplement (2) | $26.00 |
| Ashby, Wallis | 1610637 | 07/20/2026 | Maren Ostrowski | Supplement | $13.00 |
| Elmfield, Milo | 1611097 | 07/24/2026 | Tessa Moorcroft | Supplement, one of three free per file | $0.00 |
| 18 files | $351.00 |
Files opened in an earlier month that had more work this month, such as a supplement or a DU or LPA retrieval. Follow-on work like this usually means the loan is still moving.
ORDERS BY WEEK
MIDDLE SCORE OF THIS MONTH'S ORDERS
Loan officer review
One row for each person files were billed to, sorted by orders and never ranked. These describe files and orders, not the performance of a person. Service columns count billing lines; a zero where colleagues show activity can be worth a workflow or training conversation. vs Company compares each median with the median of 718. Waiting counts files still waiting on a bureau.
| Loan Officer | Orders | Net Billed | Share | Cost / Order | Median Score | vs Company | No Score | Waiting | Pulled Again | Frozen Copies | Supplements | Verifications | Simulations |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Oswaldo Vanterpool | 8 | $1,021.50 | 16.3% | $127.69 | 732 | +14 | 3 | 1 | 1 | 2 | 3 | 0 | 2 |
| Dorian Raghavan | 8 | $761.57 | 12.2% | $95.20 | 738 | +20 | 1 | 1 | 2 | 0 | 0 | 0 | 0 |
| Ramona Estes | 7 | $728.26 | 11.6% | $104.04 | 744 | +26 | 2 | 1 | 1 | 0 | 9 | 0 | 0 |
| Grady Whitlock | 6 | $722.64 | 11.5% | $120.44 | 633 | -85 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Yuna Hedlund | 5 | $577.00 | 9.2% | $115.40 | 701 | -17 | 0 | 0 | 1 | 0 | 0 | 0 | 1 |
| Theo Lindqvist | 4 | $476.81 | 7.6% | $119.20 | 690 | -28 | 0 | 0 | 1 | 0 | 0 | 0 | 2 |
| Leona Vantrease | 4 | $432.89 | 6.9% | $108.22 | 744 | +26 | 0 | 0 | 0 | 0 | 8 | 0 | 1 |
| Kit Sommerfeld | 4 | $235.77 | 3.8% | $58.94 | 638 | -80 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Tamsin Castellan | 2 | $404.88 | 6.5% | $202.44 | 764 | +46 | 0 | 0 | 0 | 0 | 0 | 2 | 0 |
| Willa Draycott | 2 | $240.88 | 3.8% | $120.44 | 658 | -60 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Brynn Hallowell | 2 | $172.44 | 2.8% | $86.22 | 616 | -102 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Tessa Moorcroft | 1 | $120.44 | 1.9% | $120.44 | 752 | +34 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Callum Brisbois | 1 | $120.44 | 1.9% | $120.44 | 726 | +8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Soren Ballinger | 1 | $116.85 | 1.9% | $116.85 | 663 | -55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Rafe Ducharme | 1 | $91.00 | 1.5% | $91.00 | 775 | +57 | 0 | 0 | 0 | 0 | 10 | 0 | 0 |
| Delpha Okafor | 0 | $26.00 | 0.4% | 0 | 0 | 0 | 0 | 2 | 0 | 0 | |||
| Maren Ostrowski | 0 | $13.00 | 0.2% | 0 | 0 | 0 | 0 | 1 | 0 | 0 | |||
| Company | 56 | $6,262.37 | 100.0% | $111.83 | 718 | 9 | 7 | 6 | 2 | 34 | 2 | 6 |
SAME BORROWER PULLED MORE THAN ONCE
| Borrower | First File | Second File | Apart | Billed To | What the Files Show | Branch | Paid By | Second Pull |
|---|---|---|---|---|---|---|---|---|
| Ashfield, Gideon | 1612447 | 1612704 | 2 days later | Dorian Raghavan | First pull complete; pulled again by the same user | Northshore | Company | $117.50 |
| Marshmore, Kasper | 1612859 | 1612908 | next day | Oswaldo Vanterpool | First pull missing EXP; a bureau copy may have cost less | Northshore | Company | $117.50 |
| Thornley, Nico | 1614300 | 1614459 | next day | Theo Lindqvist | First pull complete; pulled again by the same user | Northshore | Company | $117.50 |
| Bramton, Ursa | 1611924 | 1613471 | 16 days later | Yuna Hedlund | Soft pull first, then a hard pull for the loan | Northshore | Company | $117.50 |
| Bramcombe, Elke | 1613884 | 1614632 | 7 days later | Dorian Raghavan | Soft pull first, then a hard pull for the loan | Northshore | SmartPay | $117.50 |
| Langwell, Yara | 1613467 | 1613687 | next day | Ramona Estes | First pull returned no scores at all | Northshore | Company | $57.00 |
| 6 repeat pulls | $644.50 |
3 repeats are worth a question, $352.50 in all, listed first. The other 3 are explained by the file, such as a re-pull after a rapid rescore or a soft pull followed by the hard pull. The data shows what was ordered, not why, so any single repeat is a question for the file.
The clearest example this month: the same borrower's missing bureau was solved once with another full pull at $117.50, and once with a bureau copy at $16.00. Same problem, two paths, $101.50 apart.
SERVICE MIX
| Service Category | Includes | Lines | Net Billed | Share |
|---|---|---|---|---|
| Credit Reports | Tri-merge report (37), Tri-merge soft pull (15), Joint tri-merge report (8), Joint tri-merge soft pull (2), Experian and TransUnion report (2), Equifax single-bureau report (1), Experian and TransUnion soft pull (1) | 66 | $5,306.50 | 84.7% |
| Frozen Bureau Recovery | Frozen bureau copy (2) | 2 | $32.00 | 0.5% |
| Supplements | Supplement (25), Supplement, one of three free per file (11) | 36 | $325.00 | 5.2% |
| Reissue and Refresh | Fannie Mae DU retrieval (4), File transfer (1) | 5 | $20.00 | 0.3% |
| Score Simulation | Credit simulation (6) | 6 | $180.00 | 2.9% |
| Rapid Rescore | 0 | $0.00 | 0.0% | |
| Verifications | Income history (2) | 2 | $156.00 | 2.5% |
| Other and Fees | Card processing fee (44), SmartPay fee (11), File with no product recorded (4), Two bureaus added to a file (1), Spouse added or removed (1) | 61 | $242.87 | 3.9% |
| Total | 178 | $6,262.37 | 100.0% |
Billing detail
For whoever reconciles the ISC invoice. The ISC invoice is the statement of record for what is due; this section explains how the month's charges line up with the files.
DOES THE INVOICE MATCH THE WORK
One question, answered in four lines. Everything ISC billed this month either sits on a file ordered this month, on a file ordered earlier and still being worked, or is a card processing fee billed to the account. Nothing else. If the reconciliation does not reach zero, the difference is flagged for review and traced to the underlying service activity.
| Amount | |
|---|---|
| Total billed in the month | $6,262.37 |
| On files ordered in the month | $5,907.47 |
| On files ordered earlier and still being worked | $351.00 |
| Card processing fees, billed to the account | $3.90 |
| Difference | $0.00 |
THE WORK ON EARLIER FILES
| What It Was | Includes | Lines | Net Billed |
|---|---|---|---|
| Supplements | Supplement (15), Supplement, one of three free per file (8) | 23 | $195.00 |
| Verifications | Income history (2) | 2 | $156.00 |
| Reissues and DU/LPA retrieval | Fannie Mae DU retrieval (3) | 3 | $0.00 |
| Credit reports | Tri-merge soft pull (1) | 1 | $0.00 |
| Total | 29 | $351.00 |
Work billed this month on files opened in an earlier month. 11 lines carried no charge, such as included supplements and DU or LPA retrievals; they are listed so every line on the invoice is accounted for.
Card processing fees: 1 line totalling $3.90, charged when a credit report is paid by card. They are billed to the account, not to a credit file, which is why they are listed on their own.
WHO PAID
| Files | Amount | |
|---|---|---|
| Paid by card by the ordering user | 31 | $3,287.61 |
| Paid by the borrower through SmartPay | 11 | $1,017.86 |
| Billed to the company | $1,956.90 | |
| Total charged in the month | $6,262.37 |
Card payments are taken when the report is ordered. 5 card-paid files still left $140.00 on the company invoice, for services added after the card payment, such as a credit simulation or a spouse removed. The rest was settled at the time of order. The ISC invoice is the statement of record for what is due.
METHODOLOGY
Sources. This account's own credit order and billing records held by ISC Credit for August 1 - 31, 2026.
Counting files. 75 credit files were opened in the period. 2 are frozen bureau copies of another file, 17 are split or edited copies of an existing order (a joint report split in two, a spouse removed, or a bureau added) and 0 are refresh orders. Borrower order counts are 56, counting each original order once.
Matching. Files are grouped by applicant name. Reference numbers are reused across borrowers and months, so they are shown but not used to group.
Middle score. The middle of the three bureau scores, used only where all three returned a score. ISC does not adjust, estimate or fill in a missing score.
Frozen bureau copy. Charged per bureau recovered, counted across both the applicant and the co-applicant. For this account the rate is $16 per bureau.
Who paid. Card payments taken at the time of order, by the ordering user or by the borrower through SmartPay, are matched to the file they paid for. What is left is billed to the company. The ISC invoice is the statement of record for what is due.
Branch. The branch set for the ordering user on the ISC account. Users without one are shown as "No branch on file".
Repeat pulls. A second or later paid bureau product for the same borrower within the period. Each is marked explained when the file shows a reason, such as a rapid rescore or a soft pull followed by the hard pull, and worth a question when it does not. A missing bureau answered with a full pull rather than a bureau copy is worth a question.
Days open. Counted from the order date to the last day of August.
Worth a second look. Repeat pulls worth a question plus paid pulls that returned no middle score. A file is counted once even when it appears in both.
Cost per order. Everything billed to a user, divided by that user's borrower orders. It includes supplements, copies and verifications, so it measures total spend per file rather than the price of a credit report.
Figures shown by user. Sorted by volume, not ranked. They count files and orders, and are not a measure of effort, skill or results.
What this does not do. It does not assess borrower eligibility, predict an approval outcome, rate individual employees, or promise that any score can be improved.