Among CDS’ menu of services is the Residential Mortgage Credit Report (RMCR). An RMCR includes 3 bureaus with 3 risk scores. The difference between an RMCR and a standard infile credit report is that all trades on the RMCR report are manually updated within 90 days. If there are trades that require an update sooner than 90 days, CDS will update each account per request of the client. If a credit file includes a bankruptcy, bankruptcy papers (only the schedule of creditors and discharge papers) are required prior to processing the report. The RMCR report is good for 90 days from the date the credit was pulled.