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Anthem Report
Collect, Assess and Verify Rely on industry experts
Non-traditional Credit Information
Outsourcing your non-traditional credit needs
The Anthem Report offers the most cost- with Rels Credit means your staff doesn’t have
effective mortgage credit reporting solution for to become experts in collection and verifying
consumers with little or no credit history. This non-traditional credit data. Instead, you can rely
powerful reporting tool delivers accurate, verified on efficient, knowledgeable, trusted processors
non-traditional credit data in an easy-to-use for reliable credit information, which frees you up
format that allows Wells Fargo to qualify and to focus on expanding your market and growing
write more loans. The Anthem Report is a fully your business.
compliant credit reporting solution that meets or
exceeds mortgage loan underwriting and due PRODUCT HIGHLIGHTS
diligence requirements, including HUD, FHA,
Fannie Mae, Freddie Mac, and Wells Fargo. Qualify and write more loans on
consumers with little or no credit history
Capture a broader credit history
Accepted wherever alternative credit
When you order an Instant Merge credit report data is honored
on a borrower who has a thin or no credit file,
the Anthem Report first utilizes any available Delivers a 100% hit rate for “thin” or “no
bureau data as a baseline. It then supplements file” applicants
any bureau data with non-traditional credit data,
Completed in 24-48 hours. Make
such as rent payments, utility bills and phone
bills. The result is a fully compliant non- lending decisions faster and more
traditional credit report that is accepted consistently across all consumer files
wherever alternative credit data is honored.
Minimize training, cost and time of
Serve a broader market internal resources, freeing you for
By 2010, it is estimated that 60% of first-time greater productivity
homebuyers will come from traditionally Protects originator and investor from
underserved markets. An estimated 50 million
consumers will fall into this market. Anthem fraudulent credit claims
helps you tap into this growing market in a
simple and compliant way, while meeting or
exceeding underwriting requirements. Rels
Credit FCRA-certified specialists research and
verify all Anthem Reports, and work closely with
you to ensure your level of understanding of the
credit data so you can make sound lending
decisions.
For more information on the Anthem Report,
contact a Rels Credit Customer Care
Representative at 877.216.9150
Anthem Report Sample
Credit Report
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Anthem RMCR
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Ref #: PFM-0000-0000-4795 Acct #: 3166785 TID: PFM-0000-4795
Prepared for: WELLS FARGO BANK NA
TID: Transaction
Received: Completed: Revised: Attention/Additional information: Identification –
06/17/08 06/18/08 06/18/08 Lori /LOAN NUMBER 123 Uniquely identifies
every interaction the
Charges: Credit and public record sources: customer has with the
NOT AVAILABLE CRD, EFX, XPN, TUC, MAN Rels Credit system.
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Applicant Rels, Ricky A Soc. Sec. No. 000-12-1406
Co-applicant Soc. Sec. No. Sources -
Address 2514 ARTILLERY ST Marital status Lists where the
MONTEREY, CA 93942 Dependents data came from
Length for this report.
--------------------------------------------------------------------------------------------
Applicant Co-applicant
--------------------------------------------------------------------------------------------
Employer Employer
Position Position
Length Length
Income Income Verification and
Verified Verified Fraud Checks -
--------------------------------------------------------------------------------------------
Factors & All trade lines are
Account Name/Number (Sources) Past due MR Last subject to Rels strict
Descriptions Open High Payment Balance MOP Status Rptd 30 60 90+ MD MxDlq
Highlights the verification policies
----------------------------------------------------------------------------------------- to validate the data
Tiers of data
used and the
The following items supplement the Previous Report: and check for fraud.
level of ---------------------------------------------------
verification 1.*THE GROWING PLACE/DAY CARE PROV (MAN)
obtained for I 09-07 800 800 800 Z-1 CURRENT 06-08 00 00 00 9
Rent Hist: 06-08 111111111 APP
Account Name/Number (Sources) Past due MR Last Bureau data -
Open High Payment Balance MOP Status Rptd 30 60 90+ MD MxDlq Any existing
----------------------------------------------------------------------------------------- bureau data is
Accounts under Applicant: incorporated into
------------------------- the report and the
1. AUTO CTY/33320 (EFX-682AU06140) Anthem Score.
Non-Traditional
data – I 01-08 10349 389 9089 I-1 CURRENT 05-08 00 00 00 4
Data not available Hist: 05-08 1111 LACT 04-08 APP
from the bureaus, Rental Information -
such as Tier II and 2. OCEAN VIEW VILLAS/CURRENT LANDLORD (MAN)
I 05-04 1500 1500 1500 L-1 CURRENT 06-08 00 00 00 31 Rental history is always
III data including sought as part of the
insurance and Hist: 05-08 111111111111111111111111 APP
Anthem Report.
other regular
payments. 3. SDGE/897 (MAN)
I 05-04 120 120 120 V-1 CURRENT 06-08 00 00 00 28
Hist: 05-08 111111111111111111111111 APP Utilities
Information -
4. BLUE CROSS/MEDICAL INSURANCE 3 (MAN) Indicates Tier I data
I 01-08 90 90 90 W-1 CURRENT 06-08 00 00 00 5 such as gas, electric
History Hist: 06-08 11111 APP and other utility
Section - payment history data.
Indicates Inquiries made in the last 90 days:
month-to-month -----------------------------------
payment 1. 06-15-08 WFHOMEMTG-10/RELSREPORTI (TUC-F00728002) (APP)
history pattern. 2. 05-15-08 COUNTRYWIDE/LANDSAFECRT (TUC-Z07183223) (APP)
Public Record Information:
--------------------------
No Public Record Information found
****** END OF REPORT ******
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.
