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Brokers: Which credit provider are you using for mortgage-only credit reports

Trying to find a provider for mortgage only credit reports, the kind that only has a trimerge mortgage payment history and nothing else.

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December 11 2008 - US
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I think no one understands your question. If you mean exactly what you said I think you should call your credi report service and ask them if they can do this for you. I'd sure like to know why you would want this?

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December 11 2008
Profile picture for Ken Kopper

Rudi, for FHA/VA streamlines? Aaron, your current credit report should be able to do this for you. I use Credit Plus and we just email them and they provide us with a Mortgage Only report after we have a popped the trimerge.

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December 11 2008

Credit Plus does it for us Aaron, just call your service rep and see if they can provide you with them.

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December 11 2008

Credit Plus too

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December 11 2008

CDS

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December 11 2008

Ken, I know very little about FHA,  as you see. Boy, 3% down, no appraisal and just mortgage history. To me that's far below the lowest standard for a "full doc" of any subprime lender that I ever heard of.

 

With so many subprime shps hustling FHA, no wonder there's such a large amount of abuse and fraud. This country's financial condition will be in bigger trouble when these loans go south then we are now. That's really irresponsible and scary! 

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December 11 2008

shps

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December 11 2008

 

= shops

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December 11 2008

FHA STreamline doesn't care about credit other thena mortgage history so I don't get the need for it.

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December 11 2008

Rudi, FHA has already approved the borrower initially and they have paid the upfront MI. If they have a good mortgage payment history they allow the streamline which lowers their debt ratio and improves their ability to pay. This loan has been around for a long time and if they experienced a higher default rate on streamlines they would stop doing them, just like stopping the DPA after they started crashing. If what was said about fannie/freddie looking at no appraisal refi's, it would be the same line of thinking.

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December 11 2008

Clay, thanks for your explanation.

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December 12 2008
 
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