ISC has served mortgage professionals exclusively since 1989. Many client relationships span years, not months. The reasons they switched have a clear pattern.
Mortgage teams usually do not switch credit reporting partners because of one small issue. They switch when slow response times, unclear status updates, and inconsistent support start creating friction in their daily workflow.
A short call to understand your setup: LOS, AUS, borrower-paid needs, and how you handle supplements and rescores today. We tell you honestly whether ISC is a fit.
Service agreement, government-issued ID, NMLS or broker license, business license, and your loan officer roster. Most teams gather these in a day.
We create your account, assign user logins, set your billing preference, and request your bureau subcodes. The credit bureaus also require a brief onsite or virtual inspection, which we schedule within 1 to 3 business days. Subcodes typically process in 2 to 5 days.
Before your first order, we walk your team through ordering, supplements, rescore documentation, reissues, and SmartPay, so day one feels like day one hundred.
From your first report on, your team has direct access to ISC support for urgent files, stuck supplements, and time-sensitive questions.
You also don't have to switch everything at once. Many teams start with ISC as a second provider for urgent files and supplements, then expand as the results speak for themselves.
For most mortgage brokers, account setup with ISC takes a few business days. For larger lenders with multi-branch setups or custom LOS integrations, onboarding typically runs one to two weeks. Your dedicated rep coordinates the entire process.
Most likely, yes. ISC integrates directly with 25+ loan origination systems including Encompass, BytePro, LendingPad, CalyxPoint, and MeridianLink. Your team continues to work in the LOS they already use.
No. ISC does not require multi-year commitments to access standard credit products. Account terms are designed to be straightforward, and the relationship continues because clients choose to stay.
Yes. ISC assigns a dedicated support team to each account. Reps stay with their accounts long-term. Many of our client relationships span years.
For urgent after-hours issues, please leave a message or follow the direct instructions provided by your ISC representative. Standard support requests are handled during business hours.
Yes. Mortgage credit reports, AUS soft pulls, SmartSelect, rapid rescores, credit supplements, borrower verifications, and score optimization tools all run through one ISC account with one invoice and one point of contact.
Family-owned since 1989. ISC operates as a consumer reporting agency under FCRA and follows GLBA requirements for safeguarding consumer financial information.
Tell us about your file flow and what your current credit workflow looks like. We will tell you whether ISC is a fit, and if it is not, we will say so.