• How can I retrieve my login or password if it has been lost?
• How do I add/remove a borrower from a credit report?
• How do I determine my Fannie Mae login and password?
• How do I import/re-issue a credit report into Calyx Point Software?
• How do I request a verification of mortgage and/or a supplement?
• How do you pull a new credit report from our website?
• How much does a verification of mortgage and/or a supplement cost?
• What are the MOP codes on a credit report?
• What do I need in order to do a Rapid Rescore on a credit file?
• What do I need to get signed up with Credit Data Corp and to start pulling credit reports?
• What do the ECOA codes mean on the credit report?
• What is the highest possible credit score a borrower can have?
• What is the pricing for credit reports?
• Where can I find my “Account Number” on the credit report?
• Where can I find the “Report Number” on a credit report?

How can I retrieve my login or password if it has been lost?

If you have lost or forgotten your login and password, call one of our customer service representatives at (888)220-6946 and they will be happy to help you with this issue!

How do I add/remove a borrower from a credit report?

There are (2) different ways that you can add/remove a borrower from a credit report:

• Call (888) 220-6946 and talk to one of our customer service agents who would be more then happy to help you OR
• Perform the task yourself on our website, using the instructions below.

Adding A Borrower

1. Once you are in the “Applicant List” for your account, click on the borrower’s name for the report you would like to add a co-borrower to. It will then take you to the “Credit Request” screen.
2. Type in the co-borrowers information in the required fields.
3. After entering in the co-applicant’s information, click the submit button on the bottom right. The co-applicant has successfully been added to the report.

Removing a borrower

:To remove a borrower from a credit report you would

1. Sign onto your account
2. Click on the “Report Number” of the file you would like to remove the borrower from. It will then take you to the credit report.
3. On the top right side there should be (2) tabs one that reads, “(-)App”, and one that reads. “(-)Co-App”.  Choose whether you would like to remove the applicant or co-applicant and
4. Click on the tab that represents that decision.

How do I determine my Fannie Mae login and password?

The Fannie Mae Login and Password is customized for each customer, the format is as follows:

1093.XXXX
NWXXXX
(case sensitive)

Please contact a customer service representative at (888) 220-6946 to obtain your customized Fannie Mae Login and Password.

How do I import/re-issue a credit report into Calyx Point Software?

Re- Issuing Credit Reports into Point

1. Start off by going into the Borrowers file that you are trying to re-issue the credit report to.

2. Next go to the “Services” Tab at the top of the point screen, then click on “Credit Reports” then “Request Credit.” The Credit Request screen should pop up. (as shown below)

3. Next, make sure that the “Credit Agency” on the top left of the screen reads, “Nationwide Credit – CDC”.

4. Then choose “Re-issue Existing Report” under the request type section.

5. In the Credit Reference box enter in the Report Number of the Report that you are trying to reissue

6. Once you have done all of the steps listed above, click on the “Submit” button.

7. After clicking on the “Submit Button”, it will take you to a screen where you would enter in there login and password. (as shown below)

8. Enter in the login and password that Credit Data Corp has provided for you. (ex. Login: nationcredit Password: credit13)

9. After entering in the login and password, click the “ok” button.

10. After clicking the “ok” button, the request should start processing and take you to the “Populate Liabilities” screen were the you can populate/un-populate liabilities and/or zero balances. (as shown below)

11. At the “Populate Liabilities” screen you may “Ignore $0 Balances” , “Ignore Closed Accounts” and/or “Ignore” liabilities.

12. After you are done with the “Populate Liabilities” screen, then click the “Populate” button and the credit report should pop up in a separate window (as shown below)

13. The report has now been successfully re-issued into the point software for you!

How do I request a verification of mortgage and/or a supplement?

There are (2) different ways to request a VOM/Supplement: by phone and by using our website.

Via Phone

1. Call in to one of our knowledgeable customer service representatives at (888)220-6946
2. Tell them the report number of the file you need the VOM/Supplement on and they will be happy to help you.

Via Web

1. Login using your login and password and
2. Click on the report number that you would like to order a VOM/Supplement on. You will notice that next to each tradeline on the report there is a check box and next to the box it reads, “Update”.
3. Put a check in the box of every tradeline you would like to do a VOM/Supplement on.
4. Once you have put a checked the accounts you would like to update, scroll all the way to the top and click on the tab that reads, “Submit Supplement(s)”. After clicking on the tab, a “Trade Supplement” screen will pop up.
5. Choose the specifics on how you would like the VOM/Supplement completed.
6. When finished in this window click the “Submit” button on the bottom right.

You have now successfully requested a VOM/Supplement from our website. You should be receiving your completed VOM/Supplement within an hour (usually).

How do you pull a new credit report from our website?

1. Sign onto our website at www.CreditDataCorp.com and click on the “Login” tab.
2. It will then take you to a page that prompts you to enter in your login and password, which should have been issued to you by Credit Data Corp.
3. After entering your login and password, click “Login”.
4. It will then direct you to a page that asks if you understand the “FCRA Regulation” click “accept” if you accept the regulation.
5. Then, it will take you to the applicant list. On the top right hand side there is a tab that reads “New Request”, click on this tab. It will direct you to a page where you will enter in the borrower’s information.
6. After entering in the information that is required (required information is highlighted red) you would click the “Submit” button on the bottom right.  Finally, it will take you back the “Applicant List” where you will see the borrower’s name along with the report number.
7. Click on the report number and the credit report should pop up in a separate window for you to view!

How much does a verification of mortgage and/or a supplement cost?

The prices for a Verification of Mortgage/Supplements vary from customer to customer depending on volume. Call (888)220-6946 for a quote!

What are the MOP codes on a credit report?

The MOP (Manner of Payment (status)) codes read as follows:

• 0 – Too new to rate CURRENT
• 1 – Current CURRENT
• 2 – 30 days late DEL 30
• 3 – 60 days late DEL 60
• 4 – 90 days late DEL 90
• 5 – 120 days late DEL 120
• 6 – 150 days late DEL 150
• 7 – Wage Earner Plan or Bankruptcy WEP/BKRP
• 8 – Repossession or Foreclosure REPO/FCL
• 9 – Collection or Charge-off COLL/P&L
• U – Unrated UNRATED

What do I need in order to do a Rapid Rescore on a credit file?

In order to do a Rapid Re-Score on a file you MUST get a letter from the creditor that’s states the account number as it shows on the credit report.

This letter must:

1. Be on the creditor’s letter head
2. State EXACTLY what you would like to change/remove from the credit file.

For example, if there is a WAMU mortgage account that is showing a balance owing on the credit report, but the account actually has a zero balance. You must get a letter from WAMU stating the account number (as it appears on the credit report) and stating that the account has a ZERO balance and is no longer owing).

Once we receive the letter we will send it into the 3 bureaus (xpn,tu,efx) and they will take 2-5 days to make the changes to the credit file!

Note: The credit bureaus will not accept payment receipts, online printouts (showing balance, etc) and/or copies of checks for Rapid Re-Scores.

What do I need to get signed up with Credit Data Corp and to start pulling credit reports?

In order to start pulling credit reports from Credit Data Corp. You will have to first go to www.CreditDataCorp.com and click on the “Registration” tab. Fill out your basic company information as directed and then follow the steps that are given to you to finish the sign up process.

What do the ECOA codes mean on the credit report?

0 = Undesignated
1 = Individual Account
2 = Joint Liability
3 = Authorized User (Spouse)
4 = Joint (Undetermined whether 2 or 3)
5 = Co-Signor Not Spouse
6 = On Behalf of Account
7 = Subject Primarily Responsible But Has Co-Signor
8 = Individual Account of Spouse
9 = Subject No Longer Responsible for Account

What is the highest possible credit score a borrower can have?

The highest credit score a borrower can have is 850.

What is the pricing for credit reports?

Pricing for credit reports has a lot to do with volume! Give a call to one of our knowledgeable customer services representatives at (888) 220-6946 for a quote!

Where can I find my “Account Number” on the credit report?

Your account number is located on the first page of the credit report on the top left hand side next to your company name. (as shown below)

Where can I find the “Report Number” on a credit report?

The “Report Number” on the credit report is found on the top right hand side of the credit report and ALWAYS should start with a “1” and end with a “3”.