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Our origins with Experian date back to the beginning of Credit Reporting automation. SIR has been serving Western New England for Experian since then and expanded its sales relationship into upstate NY in 2003. Read More

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Customer Feedback

" Maureen, I want to tell you what a fantastic person, employee and service person Melissa is. Whenever I have a reason to contact SIR, my email is answered within minutes, even seconds. She is so accommodating and with personality too. She is one of the best customer service people I have encountered and a true asset to your company. I wish more companies had service like yours! "

Laurie, Mortgage Loan Officer


XpertMonitor

XpertMonitor - A Solution for Declined Borrowers.

New Underwriting Restrictions

2010 is predicted to bring about more change and more restrictions in mortgage underwriting guidelines.   FHA for the first time in decades has issued new tougher qualification requirements including a minimum FICO score, higher insurance rates and a decrease of seller contributions, causing borrowers to bring higher cash amounts towards a home purchase.

With these new changes in play, even the easy to qualify for FHA Loan will bring about more declined applications than ever before.    SIR has the right tool for Lenders wishing to stay connected with today’s declines so they can become tomorrow’s approvals.  MORE CONNECTIONS MEANS MORE BUSINESS.

Fully Automated Monitoring Service

XpertMonitor is an automated service offered through SIR’s advanced technology which allows lenders to pre-select a series of future credit pulls to monitor FICO scores.   The system features the ability to pre determine the approvable FICO score target.   Lenders then choose from 3,6, 12 month options for credit to be re pulled, alerts are sent when FICO scores have reached approvable levels.

Planing for Future Approvals

XpertMonitor most importantly allows lenders to create a meaningful relationship with borrowers who do not qualify today due to lower FICO scores than programs require, but want to stay connected and develop a strategy to make adjustments for future approval.

 
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