Credit Bureau Services

Efficient access to credit reports and verifications

Fast onboarding and competitive pricing on credit bureau reports, fraud related products, and verification solutions.

Streamline your digital origination process with Origence Credit Bureau Services

Receive easy access to credit reports and verifications with Origence’s preferred partnerships with top credit bureaus. We help you save time on a number of reliable reports and services as we take the lead managing your credit bureau relationships.

The Work Number^® from Equifax^®

Eliminate the hassle of collecting front-end paperwork when you verify applicant employment and income information via The Work Number – a service provided by Equifax through Origence.

Reduce the amount of time and paperwork needed to complete due diligence
Increase loan pull-through with a faster and easier borrower experience
Mitigate risk with direct employer provided information
Seamlessly integrate at multiple points and places in the origination process

Credit bureau services

Our consumer credit bureau services provide valuable consumer insights from notable leaders in reporting. This means easy access to comprehensive data for your credit union with less work for you.

Consumer Credit Reports

Mitigate risk and maximize growth with predictive consumer data that supports more profitable decisions

FICO^® Risk Scores

Predict the likelihood of an existing or potential account becoming delinquent within 24 months

Fraud Product

Predict losses, detect suspicious activity, and identify potential breaches before they occur

VantageScore®

Leverage consumer credit data and analytics to predict the likelihood of a consumer becoming over 90 days delinquent within 24 months of scoring

Military Lending Act (MLA)

Check military personnel status to support MLA Final Rule and safe harbor compliance

Office Foreign Assets Control (OFAC)

Effectively screen new and existing accounts

Bankruptcy Navigator Index (BNI)

Maximize portfolio profitability by combining Equifax^® data and analytics to predict likelihood of bankruptcy over 24 months

Batch Credit Processing

Run batch files for pre-screened firm offers of credit or for portfolio management.

“As an indirect lender, we run a lot of credit reports. The most significant problems we had with the bureaus were related to customer service — finding a single point of contact was next to impossible. Trying to resolve a discrepancy or just getting answers to questions was a huge burden on our staff. Origence Credit Bureau Services solved this for us.”

Billy McDaniel | SVP Lending
Communication Federal Credit Union

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Learn more about growing and modernizing your lending operations.

Bankruptcy Navigator Index is a trademark of Equifax Inc. Other product and company names mentioned are the property of their respective owners.