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Fraud &
Risk Mitigation

Reduce underwriting risk, prevent fraud, improve loan quality, and protect your portfolio.

It's What You Don't Know That Can Hurt You

Prevent fraud & risk from taking a bite out of your profitability

Mortgage fraud takes many forms and is more common than you may think. Do your part to prevent fraud at the earliest stages of the mortgage process with Certified Credit’s best-in-class fraud & risk mitigation solutions suite. We deliver the  analytics and insights you need to spot and prevent fraud before it's too late.

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ADV-120 Fraud Report

Comprehensive, investor-approved verification of all borrower information that can be tailored to your organization’s risk tolerance levels.

Wire Transfer Fraud Report

CFPB and secondary market compliant solution that verifies the borrower’s bank account information and provides a status report on the settlement agent to combat wire fraud risk.

Liens & Judgment Report

Complete picture of your applicant’s unreported credit activities that identifies any liens or judgements to prevent foreclosure and default threats.

Undisclosed Debt Monitoring

Fully customizable notification system that alerts you to activity that may pose a risk to the loan process, such as new inquiries, late payments, debt-to-income increases, and more.   

4506-C Tax Transcripts

Direct IRS connection that ensures borrower stated income aligns with verified tax return information to reduce risk of material income misrepresentation.

MERS Reports

Comprehensive search of all liens registered with MERS under the borrower and/or co-borrower SSNs.

ID Risk Review

Add-on report that summarizes bureau alerts appearing within the credit file, including:

  • Active Duty Alert
  • Address Alert
  • Fraud Alert
  • Credit File Freeze
  • SSN Alert

SSA-89 Verification

Direct connection to the Social Security Administration provides crucial verifications of borrower Social Security information that reduces risk of loss from identity theft. 

Mortgage Participation Report

Due diligence report, also known as exclusionary report, compares up to 20 names against various government exclusion lists to comply with LQI.

Flex ID Smart Select Shield

Verification of critical identity elements, such as name, address, date of birth, social security number, and phone status to help you spot and prevent fraud before it affects your portfolio.

Portfolio Review

A scan of your customer and applicant database to help you monitor the health of your portfolio, prevent early payoffs, and detect other risks before they impact your bottom line. No firm offer of credit is required.