mortgage credit report agency, credit bureau reports, tri-merge, credit analysis,tax return verification

SYSTEM INFORMATION

LOS INTERFACE

FAQ's

SERVICES OVERVIEW

INFILE PROGRAM

RMCR REPORTS

MORTGAGE ONLY PROGRAM

NCRA
Geotrac

NCRA
CDS is an active member of NCRA, the National Credit Reporting Association. Susan Cataldo, our founder and president, is currently the conference chair for NCRA.

NCRA is a national trade organization of consumer reporting agencies and associated professionals that provide products and services to hundreds of thousands of credit grantors, employers, landlords and all types of general businesses. Headquartered in Indiana, NCRA serves members in the United States and Puerto Rico.

NCRA's membership includes mortgage credit reporting agencies, employment screening services, tenant screening companies, consultants and a variety of affiliate vendors. Members must agree to comply with all federal and state applicable laws, including the Fair Credit Reporting Act. This law defines the appropriate procedures for obtaining consumer credit information and defines the responsibilities of the users and furnishers of consumer information. Members must also adhere to the guidelines established in the NCRA Code of Ethics. These guidelines enable our industry to operate only under the highest standards of integrity. NCRA's members are committed to solid ethical business practices. NCRA shares its knowledge and understanding of the industry with its members through the Annual Conference, Regional Seminars, The Credit Reporter and The Advocate publications.

Geotrac
CDS continues to provide our customers more and more value-added services. In 2001, CDS formed a national strategic partnership with Geotrac to offer our clients flood zone determination services.

Geotrac is one of the nation’s leading proviers of flood compliance services for the mortgage lending community. Geotrac’s comprehensive menu of services can be customized to meet individual lenders’ needs and ensure compliance with National Flood Insurance Program regulations. In addition, Geotrac provides Geotraphic Information Systems applications, including commercial flood risk analysis and crime analysis products.

Founded in 1978, Geotrac was one of the first companies to enter the flood zone determination industry. Geotrac has been providing flood compliance solutions to lenders throughout the country founded upon a reputation for accuracy and personalized service.

Geotrac’s Credentials

Currently serves over 6,000 financial institutions and insurance companies throughout he U.S.
One of the first entrants into the flood compliance industry.
Data library updated continuously.
In 1999, Geotrac received the exclusive endorsement for flood compliance services from the American Bankers Association through it subsidiary, the Corporation for American Banking. This endorsement was based on stringent due diligence, quality standards and performance criteria.
Geotrac is one of a very few companies used as a provider of flood zone determinations by Freddie Mac and Fannie Mae for flood compliance auditing.
Geotrac delivers an accuracy rate in excess of 99% with determinations that pinpoint the insurable structure rather than the property line.
Unlike other vendors that guarantee only the flood zone, Geotrac guarantees all NFIRA-required elements with a $10 million E&O policy.
Geotrac provides a borrower notification form with every flood zone determination; Geotrac promotes the NFIP’s Preferred Risk Policy for B, C, and X zones and encourages the separate purchase of contents coverage.
Geotrac’s electronic interfaces with leading loan origination and servicing systems permit 100% automation for loan processors.PCFS Mortgage Resources