How can your technology and programs benefit my business?

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.

What sets PCB apart from other credit service providers?

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.

Can I contact you at any time?

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.

How do I unfreeze a credit report?

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

Can I unmerge a joint borrower credit report?

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.

Are you approved for Fannie Mae and Freddie Mac?

We are approved for Fannie Mae and Freddie Mac. For Freddie Mac, simply provide us with your TPO or Seller/Servicer Number.

What LOS and POS Integrations do you have available?

We integrate with most, if not all, LOS and POS systems.

Can I add a co-borrower after pulling credit?

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.

How fast can you complete a rapid rescore or tradeline update/supplement?

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.

Do you offer Score Simulation tools?

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. 

What are your billing options?

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.

Is it possible for a borrower to speak with you directly?

Yes, we are happy to speak directly with your borrower if they need assistance. With your permission, we will join a call.

What is a credit report?

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.

What is trended credit data?

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.

Do all tradelines include trended credit data?

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).

Does trended credit data affect FICO or Vantage scores?

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.

What are business credit reports, and what do they provide?

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.

What is an Electronic Opt-Out for Five Years?

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.

Do negative credit items remain on my report forever?

No, your credit has reporting limitations of 7 years from the date of last activity. Bankruptcy and tax lien information can report longer.

What should I do if I find a Premium Credit Bureau inquiry on my report?

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.

Where does credit information come from?

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.

How do I obtain a free copy of my credit report?

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

How can I report fraud or identity theft?

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

How long does it take to get signed up?

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.

Do you offer loan officers their own borrower paid link for credit?

Premium Credit Bureau can create your own personal link that can be shared with borrowers to pay for their own credit report.