Fraud & Compliance Solutions

Transcription

1 Fraud & Compliance Solutions PROTECTING YOUR BUSINESS THROUGHOUT THE LOAN CYCLE For more than four decades, First American CREDCO has been delivering the most widely available and accepted credit reporting solution in the industry. Today, we offer a variety of customized products for every business challenge, including comprehensive fraud and compliance solutions that protect you and your business throughout the loan cycle. It s Your Business. Protect It. According to the FBI, mortgage fraud is one of the fastest growing white collar crimes with reports of such incidences more than quadrupling since Mortgage fraud refers to a whole host of scams, including those that involve artificially inflating the value of a property. First American CREDCO s solutions help you: Comply with CIP, Red Flags Rule, OFAC, USA PATRIOT Act, and other regulatory requirements Monitor loan applicants for potential areas of non-compliance Protect your business from fraud throughout the loan cycle Accurately verify applicant identity, income, employment, and more Your Challenge. Our Solution. A leader in consumer information services, First American CREDCO offers a wide range of integrated fraud and compliance solutions that address today s ever-changing local, state and federally mandated requirements. OBJECTIVE Comprehensive identity verification OFAC compliance Domestic and international compliance, including OFAC and BSA/PATRIOT Act Get SSN information direct from the SSA Customized, detailed fraud analysis of any group of applicants or loans Instant fraud screen Identity verification score Comprehensive applicant, agent and property fraud analysis Verify applicant income Verify applicant employment Verify real estate professionals credentials and reputation Verify applicants across a portfolio of loans SOLUTION ProScan ID ProScan OFAC ProScan XL ProScan SSN ProScan IQ ProScan Alert ProScan Index LoanSafe 4506-T Direct Verification of Employment Professional Screening Services Data Services For more information on our Fraud and Compliance Solutions, contact a First American CREDCO sales associate at (800) or visit us online at C

2 ProScan ID CIP & Red Flags Rule Compliance Solution First American CREDCO s ProScan ID provides a convenient, automated means to help you meet compliance requirements for the Customer Identification Program (CIP) required by Section 326 of the USA PATRIOT Act and Red Flags Rule required by Section 114 and 315 of the FACT Act. Together, they help answer the critical question, Is your customer who they say they are? Keying off applicant information, ProScan ID accesses multiple data providers and sources to instantly deliver the most accurate applicant verification data available. CIP & Red Flags Rule ProScan ID provides a turn-key solution to help you establish processes to meet the compliance requirements in CIP and Red Flags Rule - quickly and easily. CIP requires businesses to form a reasonable belief as to the true identity of each of their customers. Red Flags Rule requires financial institutions to implement an identity theft prevention program. ProScan ID helps satisfy these requirements by verifying the accuracy of your applicant s Social Security Number (SSN), name and address. Best Match and Critical Discrepancies Beyond standard alert products, ProScan ID delivers optimum best match results based on advanced logic and filtering algorithms. It recognizes and reports a variety of critical discrepancies involving an applicant s SSN, such as cases where an SSN has been issued to multiple people; and invalid, deceased or stolen SSN s. Results also include FACT Act alerts. Drawing from multiple data sources, ProScan ID organizes data into Identity Groups with full data disclosure, making it easier for you to validate the accuracy of a loan applicant s information. Helps satisfy compliance requirements for CIP and the Red Flags Rule Verifies an applicant s identity at anytime during the mortgage lending cycle Easily integrated into your current LOS and other systems Helps manage compliance risks to avoid fines, business restrictions Expanded, best match search results from multiple data sources For more information on ProScan ID, contact a First American CREDCO sales associate at (800) or visit us online at C

3 CREDCO ProScan ID Report Ref #: /01/2007 TID #: /01/ :36:20 Prepared For: 3 Prepared By: ABC Mortgage Client Loan # : B First American CREDCO 123 Main Street Account # : 4XX First American Way Anywhere, CA Notes : 9210 Poway, CA Attention: John Jones Tel: (800) Fax: (800) URL: Name SAMPLE, STEVE Address Current: Previous: 4 APPLICANT INFORMATION 4 Address Type 4536 FIRST AMERICAN AVE, TESTSITE, CA Own EAGLE ROAD, TOMORROW, OR Own SSN DOB Age Phone App Ident /15/1963 (619) APP1 5 WARNING SSN REPORTED AS DECEASED MULTIPLE NAMES HAVE BEEN RETURNED FOR THE INPUT SSN FRAUD ALERT PRESENT SIGNIFICANT SSN VARIATION 6 SSN INFORMATION Calculated 7 Deceased Information App Submitted SSN Best Match Identity Issue Date Issue State Issue Age Date of Death State of Death Ident STEVE SAMPLE 1968 PA 5 02/29/04 AZ APP1 Item# SSN # of Entities Reporting SSN 8 MATCH INFORMATION Address (associated with first name listed) Name Spouse s 9 10 YOB (Best Match Shown First) First Name Since Reported Address Date STEVE SAMPLE STEPHANIE FIRST AMERICAN AVE TESTSITE, CA TEL: EAGLE ROAD TOMORROW, OR N 54 TH AVE PHOENIX, AZ ** STEPHAN R SAMPLEE* STEPHANE SAMPLEE STEPHANE R SAMPLEE STEPHAN R SAMPLE JOSEPHINE SPRUCE ST NASHUA, NH SOUTH AVE TACOMA, WA *Fraud Alert present **Different SSN End of ProScan ID Report SAMPLE REPORT KEY 1 Reference Number: Uniquely identifies & links First American CREDCO s customer to the consumer 2 Transaction Identification (TID): A unique 11-digit number that identifies individual transactions, along with the date and time the transaction took place 3 Prepared For & Prepared By: Important contact information displayed at the beginning of the report for easy reference. Client Loan#: Conveniently located so you can easily match reports with loan documents on file. Notes: A field that allows you to type additional information for your reference 4 Applicant Information: Displays all submitted applicant information 5 Warning: suspicious activities that require further investigation. Displays FACT Act specific messages, multiple SSNs, SSN reported as deceased and multiple names 6 SSN Information: Displays the Social Security number information for the best match identity. SSN Information includes issue date, issue state, calculated issue age, and if reported deceased, the date of death and state of death. 7 Calculated Issue Age: Presents the age of the Social Security number 8 Match Information: An Identity Group with its corresponding information, such as spouse s first name, year of birth and address(es) 9 YOB: Year of Birth of the Identity 10 Since and Reported Date: Indicates the first time the address was reported and last updated This sample report was created to showcase a wide variety of format features. As such, the data content represented here may not be consistent across all report sections. C

4 ProScan OFAC OFAC Screening Compliance Solution First American CREDCO s ProScan OFAC, as part of your overall compliance solution, helps ensure that your business doesn t unknowingly aid in terrorist financing. Specifically, it s a quick and easy way to help your business satisfy the USA PATRIOT Act s Customer Identification Program (CIP) and Office of Foreign Assets Control (OFAC) compliance requirements. Best Match and Critical Discrepancies ProScan OFAC automatically checks all of your applicants against the OFAC database and, within seconds, returns easy-to-review results. Optimum best match results are delivered based on an advanced matching algorithm that recognizes misspellings, alternate foreign spellings, typographical errors and abbreviations. CIP Compliance ProScan OFAC can assist you with Customer Identification Program (CIP) compliance efforts. Part of the USA PATRIOT Act, CIP requires businesses to form a reasonable belief as to the true identity of each of their customers and screen them against government watch lists, such as those maintained by the Office of Foreign Assets Control. ProScan OFAC helps satisfy this requirement, guarding against money laundering and terrorist financing as well as protecting you from risks associated with non-compliance. Convenient Integration Easily integrated into your existing LOS and other systems, ProScan OFAC can be conveniently accessed at any point of the workflow process, from screening and prequalification, application, and underwriting to post-close/qc and servicing. Helps satisfy compliance requirements for OFAC, CIP and Red Flags Rule Advanced match logic reduces the likelihood of false positives Simultaneous applicant and co-applicant screening Helps mitigate repurchase, default and delinquency costs Delivers fast, easy-to-read results with detailed data when possible matches are found For more information on ProScan OFAC, contact a First American CREDCO sales associate at (800) or visit us online at C

5 ProScan XL Comprehensive Applicant ID Compliance Solution First American CREDCO s ProScan XL provides a comprehensive solution to assist with your overall fraud management and compliance program. Protect Your Reputation ProScan XL helps financial institutions and mortgage lenders comply with the Office of Foreign Assets Control (OFAC), Bank Secrecy Act (BSA) and the USA PATRIOT Act. This customizable solution lets you check applicants against more than 25 domestic and international lists of known or suspected terrorists and money launderers. Search Groups and Watch Lists 1. OFAC: Compliance and screening against the OFAC list of blocked persons and countries. 2. Homefront: For Customer Identification Program (CIP) compliance, screens against domestic government lists, such as the FBI lists, Terrorist Exclusion List and the Primary Money Laundering Concern List. 3. PEPS: Politically Exposed Persons database. 4. Extended: International and country-specific lists, such as the Bank of England, INTERPOL, Monetary Authority of Singapore, World Bank and more. Convenient Integration Easily integrated into your existing LOS, ProScan XL can be conveniently accessed at any point of the workflow, from screening and prequalification, application and underwriting to post-close/qc and servicing. For more information on ProScan XL, contact a First American CREDCO sales associate at (800) or visit us online at Assists with federal compliance efforts with OFAC, BSA and the USA PATRIOT Act Uses an advanced matching algorithm that returns fewer false positives Recognizes misspellings, alternate foreign spellings, typographical errors and abbreviations Customized to your needs and risk analysis Minimizes manual due diligence workload by automatically identifying and indicating false positives Delivers fast, easy-to-read results with detailed data when possible matches are found Provides follow-up action steps and the watch list administrator s contact information in the event a possible match is found C

6 ProScan SSN Automated SSN verification directly through the SSA First American CREDCO s ProScan SSN gives you direct, reliable access to the Social Security Administration (SSA) for exact verification of your applicant s name and Social Security Number (SSN). ProScan SSN saves you time by delivering real-time accurate verification results, while helping you meet fraud and compliance requirements quickly and conveniently. Simple, reliable real-time verification Unlike other SSN verification providers, First American CREDCO s ProScan SSN is a 100% fully automated online solution. Instantly verify applicant SSN data, 24/7. Applicant Name Social Security Number Date of Birth Using the convenient online document upload feature, simply upload your signed and dated consent form (Form SSA-89), then key in the corresponding applicant information in the data fields available and click submit. The SSA will verify in real-time whether or not the information you provided matches or does not match with the SSN data they have on file. For more information on ProScan SSN, contact a First American CREDCO sales associate at (800) or visit us online at Verify SSN data directly through the Social Security Administration office Delivers accurate, real-time verification of SSN data 100% fully automated process for instant results Helps meet your fraud and compliance needs, quickly and conveniently Convenient, 24/7 online access to SSN verification C

7 ProScan Alert Identity Fraud Alert The FTC estimates that as many as 9 million Americans have their identities stolen each year. It s Your Business. Protect it. According to the Federal Trade Commission, identity theft is one of the largest white collar crimes in the history of the United States. Now you can help protect your business, your profits and your clients with ProScan Alert from First American CREDCO. ProScan Alert is designed to help you prevent identity theft before it happens. Automatically delivered with your applicant s credit report, ProScan Alert enables you to quickly confirm an applicant s identity by verifying their Social Security Number, address and telephone number. Fast Delivery. Comprehensive Data. Generated in seconds, ProScan Alert delivers either an all clear or standardized text-based messages that provide a basic indication of any ID inconsistencies. It merges fraud alert data from one, two or all three national credit bureaus and displays results in one easy-to-read summary format. FREE Red Flag Summary Report Included free when you sign up for ProScan Alert, you ll automatically get First American CREDCO s Red Flag Summary a streamlined report that summarizes critical consumer identity verification information. The summary report is designed to help you quickly and easily reference pertinent applicant identity information to help you assess risk, minimize fraud-related losses and maintain compliance with the Customer Identification Program (CIP) and Red Flags Rule. An easy, convenient ID verification tool that helps satisfy requirements under CIP and Red Flags Rule Helps protect lenders and brokers against fraud and identity theft Easy-to-read, text-based explanations for any ID inconsistencies Fraud data merged from all 3 national credit bureaus into one simplified format Delivered automatically with every credit report For more information on ProScan Alert, contact a First American CREDCO sales associate at (800) or visit us online at C

8 ProScan Index Identity Risk Score The FTC estimates that as many as 9 million Americans have their identities stolen each year. It s Your Business. Protect it. According to the Federal Trade Commission, identity theft is one of the largest white collar crimes in the history of the United States. Now you can help protect your business, your profits and your clients with ProScan Index from First American CREDCO. ProScan Index, a risk-based identity verification tool, is designed to help you prevent identity theft before it happens. Automatically delivered with your applicant s credit report, ProScan Index provides a three-digit numeric score (ranging from 000 to 999) that indicates the level of risk associated with that applicant the higher the score, the greater the probability of identity risk. Fast Delivery. Easy To Read. ProScan Index helps you quickly confirm an applicant s identity by verifying their Social Security Number, address and telephone number. Generated in seconds, it provides an ID risk score along with easy-to-read explanations for any ID inconsistencies. Discrepancies are displayed in a logical, simplified layout for easy interpretation. FREE Red Flag Summary Report Included free when you sign up for ProScan Index, you ll automatically get First American CREDCO s Red Flag Summary a streamlined report that summarizes critical consumer identity verification information. The summary report is designed to help you quickly and easily reference pertinent applicant identity information to help you assess risk, minimize fraudrelated losses and maintain compliance with the Customer Identification Program (CIP) and Red Flags Rule. An easy, convenient ID verification tool that helps satisfy requirements under CIP and Red Flags Rule Helps protect lenders and brokers against fraud and identity theft Easy-to-read explanations for any ID inconsistencies 3-digit score: the higher the score, the greater the likelihood of identity risk Delivered automatically with every credit report For more information on ProScan Index, contact a First American CREDCO sales associate at (800) or visit us online at C

9 ProScan IQ Reliable fraud analysis on loan application data First American CREDCO s ProScan IQ report provides a critical step to help you protect your business from the risk of mortgage fraud. One of the most reliable and unique fraud analysis reports available, ProScan IQ gives you a window into the quality of loan application data coming in through one or more of your origination channels. It s Your Business. Protect it. Based on your actual customer loan application data, ProScan IQ is a monthly aggregated report that can help you identify trends in fraud, and mitigate potential risk. We use proven search logic capabilities to analyze your applicant information, identify those that pose a potential risk for mortgage fraud, and present findings in an easy-to-read summary report. Key identity metrics include: Social Security Number inconsistencies; not issued by SSA; reported as deceased or misused Names returned that don t match names submitted FACT Act fraud alert indicator Consultative Analysis Our personalized, consultative approach helps you understand critical findings and, more importantly, what they mean so you can take actionable steps to protect your business from mortgage fraud. For more information on ProScan IQ, contact a First American CREDCO sales associate at (800) or visit us online at Helps protect your business from potential mortgage fraud on new loan applicants Convenient at-a-glance summary of fraud activity for auditing and evaluation Compares data against national averages for benchmarking Helps meet Red Flag, Customer Information Program (CIP), and Know Your Customer (KYC) requirements Provides fraud activity by geographic distribution for easy evaluation Third-party reporting provides reliable, objective data and results C

10 ProScan IQ Report ABC Mortgage March 2008 Summary of Actual Transaction Volume February 2008 ProScan ID File Count 300 Summary of Fraud Activity Files with Red Status Messages - High Risk Files 30 Count of Files based on Red Status Messages SSN reported as deceased 0 SSN not issued by Social Security Administration 2 SSN issued before year of birth 0 SSN has been reported misused 0 Significant SSN Variation 8 Name(s) returned do not match name submitted 15 FACT Act: Fraud Alert Present 10 16% 14% 12% 10% 8% 6% 4% 2% Incidence of High Risk Files (%) 10% 8% Files with Multiple Red Status or High Risk Messages 11 0% ABC Mortgage National Average Geographical Distribution of Fraud Activity Areas with the Highest Number of Red Status or High Risk Files (Based on a five-digit zip code level) 10 9 # of High Risk Files Springfield, IL Bozeman, MT Missoula, MT Whitefish, MT Lolo, MT Zip Codes - City and State Disclaimer: This report is for illustrative purposes only.

11 LoanSafe Comprehensive Loan Risk Analysis LoanSafe from First American CREDCO provides mortgage professionals with a full risk view of every loan offering a convenient, single-step analysis. The result is a highly accurate loan risk picture delivered in an easy-to-understand report format so you can make sound lending decisions. Mitigate Fraud Risk LoanSafe provides a 360-degree view of the major areas of mortgage fraud the borrower, the property and the broker and agent selling the property. Using an advanced algorithm that scans multiple data sources, LoanSafe enables mortgage professionals to efficiently assess the risk and fraud potential in a loan transaction without the technical jargon and complexity. The result is a comprehensive report that includes a simple summary that provides a risk score for each major fraud area. Full Risk View Agent, Borrower and Collateral LoanSafe provides risk scores on key areas of fraud such as: Property Applicant Identity Applicant Income Overall borrower risk Broker Overall market risk These key areas are then summarized in an overall risk score the higher the score the greater the overall risk. LoanSafe also contains the only industry-wide solution for evaluating and grading brokers and agents, so mortgage professionals can promptly evaluate any third party based on the quality of loans submitted. Precise Results Delivered Instantly Available online through CREDCO.com, LoanSafe quickly and precisely analyzes loan risk factors most predictive of fraud that contributes to early payment default and loss severity. Its powerful results make LoanSafe an effective, comprehensive loan risk management tool. Simplifies fraud risk analysis Calculates a risk-based score and streamlines the approval of low risk loans Quickly identifies high risk loans, reducing overall loan default exposure Enables more efficient use of AVMs Conveniently available online via CREDCO.com For more information on LoanSafe, contact a First American CREDCO sales associate at (800) or visit us online at C

12 4506-T Direct Income Verification Solution According to the FBI, industry losses due to mortgage fraud continue to climb, reaching billions of dollars each year. First American CREDCO s 4506-T Direct solution can help minimize losses, and protect you from fraud and identity theft by verifying an applicant s income. Simple, Reliable Solution Our 4506-T Direct service provides a simple, reliable way to validate applicant information within hours. The result is an easy-to-read report with an actual IRS transcript that includes all schedules. An confirmation includes an Internet link, which provides a convenient way to view, download and print your report. Identifies false or inaccurate tax information Searches up to three years of IRS-verified data on the borrower(s) Calculates a comparison between the borrower-supplied 1040 data and IRS data Detailed, Comprehensive Results While other income verification tools merely list the borrower s adjusted gross income, First American CREDCO s 4506-T Direct lists nine elements from the 1040, including wages, business income or loss, other income and adjusted gross income. The report also calls attention to discrepancies between your borrower-supplied data and the IRS-verified information by identifying suspect data. Ordering a 4506-T Direct Due to our direct connection with the IRS, obtaining a First American CREDCO 4506-T Direct is easy via Credco.com. If you include a copy of the first page of the borrower s 1040 tax return for each year ordered, the report can include a comparison to data on file with the IRS, and identify any variations. This process helps identify altered tax returns and avoid fraudrelated losses. For more information on 4506-T Direct, contact a First American CREDCO sales associate at (800) or visit us online at Verify income information going back up to three years Supplies up to nine distinct lines of tax return income data Delivers an easy-to-read report with an actual IRS transcript that includes all schedules Validate applicant information within hours Helps you make more informed underwriting decisions, and minimize fraud risk Supported by a dedicated team of customer care and technical support specialists C

13 Verification of Employment (VOE) Convenient and Reliable Verification First American CREDCO s verification of employment (VOE) services help prevent fraudulent attempts at obtaining a loan, and save you time by providing a reliable and streamlined way to verify an applicant s employment information. Our team of specialists personally researches each applicant to verify employment history, such as current and previous employment, full or part-time status, and length of employment. Avoid Costly Defaults and Foreclosures Our verification services can be used at any stage of the lending process. However, given today s volatile market, it s especially critical to verify employment history at the point of loan initiation to avoid costly default and foreclosure costs later on. Mitigate Loan Modification Risk When it comes to loan modifications, VOE can help you prevent the biggest risk quickly and accurately by helping you reasonably determine whether or not a borrower can repay a loan. Our VOE services are designed to help you make lending decisions more confidently, while helping to ensure the integrity of a loan or loan portfolio. Online Ordering. Fast Results. Available online, ordering a VOE report is fast and easy through CREDCO.com. In some cases, results can be delivered in hours so you can make sound lending decisions fast. Easy to Interpret Verified employment information is displayed in an easy-to-read report format, which includes date of verification, the contact validation method and the verifier s name for quick interpretation. Verify an applicant s employment status and history Avoid fraudulent loan attempts Each applicant personally and thoroughly researched Easy online ordering through CREDCO.com Annual projected income data available separately For more information on Verification of Employment services, contact a First American CREDCO sales associate at (800) or visit us online at C

14 Professional Screening First American CREDCO offers third-party auditing and certification services to help protect your business from mortgage fraud. Our customizable Professional Screening services provide an easy solution for ensuring compliance requirements for your new and existing brokers, appraisers, agents, net branch and other real estate professionals. FCRA-trained specialists validate basic business identification information licensing, agency approvals, business, banking, and insurance references and provide Industry Fraud and Sanction Data. Civil, federal and criminal background checks are also available as a stand-alone service. Instant Merge PRO, our soft-inquiry employment credit report, can also be ordered to assist with your broker qualification process. We deliver only the information you need so the results are quick, relevant and easy to interpret. Certify New and Existing Real Estate Professionals Our Professional Screening services are designed to support multiple stages of your compliance process. From certifying new professionals to recertifying existing contractors, or as part of a comprehensive audit of your entire professional network, we can tailor a program to fit your business needs. Professional Screening services offer several report delivery options, including ThirdParty Manager from First American CoreLogic. ThirdParty Manager allows you to easily manage the certification and recertification process from one convenient location. Our third-party Professional Screening services help reduce business costs, maximize efficiencies, and help to maintain the integrity of your business. Minimize risk of fraud; ensure professional requirements are satisfied Criminal background checks available as stand-alone service Instant Merge PRO soft-inquiry credit reports available for broker qualification Standard certification packages or a-la-carté services save time and money Fully-customizable solution that simplifies the certification and recertification process Reduce compliance costs and maximize efficiencies Get electronic results fast review process takes just 24 to 48 hours For more information on the benefits of outsourcing for Professional Screening, contact a First American CREDCO sales associate at (800) or visit us online at C

15 Data Services Batch and Append Solutions First American CREDCO s Data Services provides an easy, practical solution for protecting the value of your loan portfolios, and ensuring that they meet state and federally mandated compliance requirements. Are your loan portfolios at risk? Loan risks can change over time, particularly with a book of business that may include individual loans that weren t properly or thoroughly screened. To protect you and your business, it makes sense to regularly maintain compliance and implement an ongoing data assessment program to ensure the value of your portfolios. Batch and Append Database Services With our Batch and Append services you can significantly reduce the risk in mortgage portfolio transactions. By augmenting your loan files with database information from First American CREDCO, you can be confident that your business decisions are based on the most current and complete risk data available. Batch and Append enhances data by adding, as needed: Borrower credit characteristic data, such as accounts, balances, and payment status Fraud risk indicators, such as ownership changes, flips, payment and mortgage status Fraud risk and FACT Act alerts for name, address and Social Security Numbers USA PATRIOT Act and OFAC filters Additional domestic and international Know-Your-Customer lists Data Services from First American CREDCO helps ensure compliance with state and federally mandated requirements, reduce business costs, and maintain the integrity of your business. Screen for FACT Act, USA PATRIOT Act, OFAC and other risk indicators Ensure compliance with federally mandated requirements, and protect the value of your portfolios Comprehensive Batch and Append services significantly enhances data evaluation Enhanced data includes borrower credit information, such as accounts, balances and payment status Regularly monitor all or portions of a portfolio with alerts when data passes specified threshold values For more information on Data Services, contact a First American CREDCO sales associate at (800) or visit us online at C

16 Why Top Mortgage Lenders Rely On First American CREDCO Performance. Leadership. Vision. 9 out of 10 top lenders agree: First American CREDCO delivers innovative solutions that keep pace with today s dynamic business climate. Performance has made First American CREDCO a leader in consumer information solutions for more than four decades. Leveraging the latest technology and our vast data resources, we continue to set the industry standard and value benchmark for reliable products, fast delivery and technical innovation. Leadership is why top mortgage lenders trust First American CREDCO. We were the first to provide credit data to the mortgage industry, and today we are the industry s primary source for fast, reliable consumer information products. We provide innovative credit reporting tools, comprehensive identity verification solutions, portfolio analysis and consulting services, as well as non-traditional credit information products that offer new business opportunities. First American CREDCO is the #1 choice of secondary market investors, including Fannie Mae and Freddie Mac. Vision is the foundation for First American CREDCO s expanding line of innovative products and services. Our consumer information solutions have enabled top lenders to make sound business decisions for more than 40 years. Today, we continue to identify new ways, and create new products, to help our customers make smarter business decisions across an ever-changing marketplace. Setting the Pace Top national mortgage lenders depend on First American CREDCO to set the pace for leading products, customized consumer information solutions, quality customer care and reliable technical support. Proven systems uptime Consumer information delivered in seconds High-volume capacity National field presence and processing centers Dedicated customer care and technical support Only redundant hot backup and disaster recovery site in the industry Customized delivery methods, media and channels Focusing on solutions that support our customers throughout the lending process. C