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SmartSelect is a bureau selection feature which allows an end-user to configure which bureaus to access based on a specific set of criteria. This cascading LOS ordering platform allows a single bureau, or bi-merge, credit report to be upgraded by adding additional bureau data once a pre-defined benchmark(s), primarily a FICO score requirement, have been met.
Birchwood currently offers four different SmartSelect options via your LOS software:
1-3 Upgrade: If the first bureau meets the score and guideline bureaus, the file will upgrade to a tri-merge.
1-2-3 Upgrade: This mode will pull all bureaus one by one and check the results against the requirements. If the first bureau meets the requirements, the second bureau will be pulled. If the second meets the requirements, then the last bureau will be ordered.
2-3 Upgrade: This mode will pull 2 bureaus and if any meet the requirements, the last bureau will be ordered.
In addition to the pre-defined scoring criteria, the following attributes can also be added as part of the upgrade criteria:
No late payments on mortgage accounts within the past ____ months, not to exceed 36 months.
Bankruptcy filings within the past ____ months.
Delinquent child support accounts.
Unreleased federal tax liens.
Defaulted student loans.
Foreclosure, short sale, or deed-in-lieu within past 7 years.
To learn more about our Credit Reporting, Verification Services, Compliance Services and Property & Valuation Services, call us any time between 8:30 AM and 8:00 PM ET. Our expert, FCRA-certified staff will be standing by to answer your questions and deliver immediate assistance and the best experience available in the industry.
Birchwood Credit Services: Because you deserve better.
800-910-0015 | firstname.lastname@example.org