Our technology and programs are customized to suit your business needs, aiding in compliance with industry regulations, streamlining processes, and providing comprehensive insights to support informed decision-making. Close more loans in less time and with reduced costs.
PCB stands out due to its commitment to tailored solutions, cutting-edge technology, and a dedicated LIVE representative service. We prioritize client needs, ensure reliable support, and provide effective strategies for compliance with various industry regulations. We work for our clients to ensure you are operating with the most cost-conscious practices while saving staff time and helping more loans close with ease.
Certainly! Our dedicated support team is ready to assist you and address your needs whenever you reach out, ensuring a responsive and reliable service experience. With a nationwide presence, we are available when you need us most.
Your borrower must contact each bureau individually to request the removal of a credit freeze. Once removed, you can reorder the credit file from the original report and generate a new copy.
Experian: 800-509-8495
Equifax: 800-203-7843
TransUnion: 888-909-8872
Yes, you can unmerge a joint borrower report. Simply uncheck the box next to the borrower you'd like to remove and click the view button to complete the process. Then select Create Unmerged Copy.
We are approved for Fannie Mae and Freddie Mac. For Freddie Mac, simply provide us with your TPO or Seller/Servicer Number.
We integrate with most, if not all, LOS and POS systems.
Yes, you can add a co-borrower after the initial credit pull. Simply enter the co-borrower’s information, click on order, and select the upgrade option to view both borrowers' profiles and scores.
With the proper documentation, a rapid rescore can be completed as a rush, same-to-next day, or normal processing of 3-5 days. If ordered during business hours, tradeline updates/supplements will typically be completed same-to-next day, or within hours as a rush order.
We offer the industry’s top analytical tools to help determine the true actions and time frames for score gains. Additionally, we offer assistance running the tools for you to increase accuracy and score goal success.
We can customize billing options to meet your needs. We bill monthly, and invoices separate charges by user and can even separate by cost center. Management reports enable ease in accounting and P&L settling. Payment can be made by ACH or Credit Card, with additional options available upon request.
Yes, we are happy to speak directly with your borrower if they need assistance. With your permission, we will join a call.
A credit report is a detailed accumulation of data provided by Equifax, Experian, and TransUnion. These are the national pooling companies reporting information submitted by your creditors.
Trended credit data provides up to 30 months of historical data on balances, payments, and credit utilization. It offers a dynamic picture of how consumers manage revolving accounts, supplementing the traditional credit snapshot and helping lenders assess risk more accurately.
Not all tradelines qualify for trended credit data. Common exceptions include authorized user accounts, accounts with less than six months of history, and certain masked data accounts (e.g., bankruptcy or collection accounts).
Only some credit scores consider trended data. Most FICO and VantageScore credit scores don't consider trended data, so trends in your credit report won't affect those scores. Two exceptions are the VantageScore 4.0 and FICO® Score 10 T models, which consider trended data from the previous 24 months.
Business credit reports allow you to access detailed information on a business’s credit history, including trade payment trends, public records, and other relevant data to assess credit risk. We offer several types of reports, including Experian's Business Credit Report and Equifax Business Credit Reports.
Opting out refers to removing your name from lists used for pre-approved credit or insurance offers. The Fair Credit Reporting Act (FCRA) allows consumers to opt out for five years or permanently via www.optoutprescreen.com.
No, your credit has reporting limitations of 7 years from the date of last activity. Bankruptcy and tax lien information can report longer.
Premium Credit Bureau is a credit reporting reseller providing credit reporting products and services to mortgage brokers, bankers, lenders, and real estate companies to process mortgage loan applications. If you see a Premium Credit Bureau inquiry on your credit report, it is likely related to a recent transaction with a mortgage broker, banker, lender, or real estate entity. This inquiry indicates a legitimate request to access your credit via Premium Credit Bureau.
Credit information comes from your creditors. They report information to the credit bureaus at different time intervals. The bureaus, Equifax, Experian, and TransUnion, gather this information and provide a credit report to the inquiring entity upon approved access.
The Fair Credit Reporting Act (FCRA) entitles you to one free credit report annually from each of the three primary bureaus: Equifax, Experian, and TransUnion. Visit www.annualcreditreport.com to request your copy. Note that this report does not include your credit score. Individuals looking to purchase their credit report with lender used credit scores can visit our consumer direct page www.mymortgagescore.com
You can report identity theft or fraud by contacting the three major bureaus:
Equifax: 888-766-0008
Experian: 888-397-3742
TransUnion: 800-680-7289
Premium Credit Bureau has the reputation for the fastest onboarding process in the industry. Give us a call today to see how fast we can have you and your company pulling credit.
Premium Credit Bureau can create your own personal link that can be shared with borrowers to pay for their own credit report.