a) Provider must perform, or cause to be performed, the following services: Provide instant tri-merge and single credit report results for individual and joint requests, including credit scores for EFX, TUC, and XPN, judgement and lien results/determination, and fraud determinations/scores per applicant; b) Have the ability to provide skip trace service (the debtor trace is tracing people for debt collection purposes). c) Allow VLB to submit credit report requests via VLB’s loan origination software (currently MeridianLink) instantly upon request; d) Provide credit reports to be directly imported from the vendor directly into the VLB’s loan origination software (currently MeridanLink) instantly upon request; e) Allow for credit file re-issues/re-access and secondary use of credit report results for Fannie Mae DO automated underwriting system; and f) Provide monthly invoices that include itemized details of each line item (name of loan processor who submitted the request, applicant account number, name of applicant, type of credit report delivered, joint or individual, product and access type, charge).
