Credit Reports are the most common and standard type of report accessed.  We offer access to reports from the leading national credit repositories Experian, TransUnion and Equifax System Integrator.  Credit Reports contain information from credit grantors, courts, and collection agencies regarding the historical loans by the consumer.  Credit Reports also include Scores (FICO and Vantage), and public records such as judgments, liens, and bankruptcies.  Credit Reports may include previous employers, addresses and other names used.  All 700Credit clients receive their choice of report format, score and ancillary products.

FICO Scores

Lenders use FICO scores to statistically rate the likelihood that a consumer will pay the requested loan.  Dealers use FICO scores to match applicants with the appropriate lender and program.  700Credit offers ALL FICO scores available, i.e., standard bankruptcy, automotive enhanced, classic scores, and next generation scores.

Vantage Score

Vantage Score is a new generic credit scoring model that opens doors to the opportunities that having credit creates. Created by America's three major credit reporting companies, VantageScore's highly predictive model uses an innovative, patent-pending scoring methodology to provide lenders with a consistent interpretation of consumer credit files across all three major credit reporting companies, and the ability to score a broad population.  This means lenders can help more creditworthy borrowers, and millions of Americans who use credit infrequently can be accurately scored.

Credit Report Summary