Credit Reports

700Credit is a leading authorized reseller of credit reports from Equifax, Experian and TransUnion. We have several credit solutions available, depending on your needs.

Why Pull Credit

700Credit Reports

We offer access to reports from the leading national credit companies, Experian, Equifax and TransUnion. 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.

Score Summary Dashboard

Our Score Summary Dashboard provides our clients with a single, graphical view of each of the credit bureaus and scores they pull on their customers, without having to scroll through each report for this information. The Score Summary Dashboard will appear below the Red Flag Summary and above the Credit Report.  If there are multiple scores being returned, the first two scores are displayed. The first score will be included in the ‘big’ dial, the second score will be represented immediately below the dial. The Score Summary dashboard is available for all credit report formats through 700Dealer and all of our integration partner systems, along with RouteOne customers using  HTML format.

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.

Auto Summary

We are pleased to introduce the first automotive profile summary designed exclusively for the industry. Our summary provides a quick snapshot of all auto-specific information contained in the credit report.

Credit Report Summary

Credit Report Summary provides a “snapshot” of activity in the credit report. Returned at the top of the report, it helps analyze the most significant factors in a consumer’s credit file. This powerful tool contains many key calculations from the credit profile giving you a picture of the consumer’s debt, monthly obligations and payment history. Also, users are alerted to derogatory items like public records, number of collection accounts, number of derogatory accounts and more.

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