Initial Submissions (merged or in-file) | Resubmissions | Credit Providers

Merged credit is required for all FHA submissions to LP.com Express, and may be an option for Conventional and VA submissions (these options vary by lender). In-file credit will be returned if merged credit is not selected.

Merged credit requires an established "merged credit" relationship with your lender's preferred credit provider. Contact your lender representative and ask about preferred credit partner(s) for LP.com Express orders, then access the contact information for Freddie Mac approved credit providers.

Initial Submissions

1. Start in the Merged Credit Order section for both merged and in-file credit orders. Select an action from the Credit Action drop-down menu (available credit actions may vary by lender). In-file credit will be returned when Do Not Order is selected.
   Note: Multiple credit reports may not be reissued - one individual or one joint borrower report only.
   

2. Select your lender's preferred credit vendor from the Credit Agency drop-down menu. For merged credit orders, you must have a merged credit relationship established with the lender's preferred vendor.

   Tip: FIS (Fidelity) orders use an optional Branch Number field. The branch number is an additional identification number assigned to your organization by the lender. Contact your lender directly with questions.

3. To Reissue, enter Credit Reference Number: Enter the credit reference number (see grid below) to reissue a credit report ordered outside the lender site. Leave blank to order a new report or if Do Not Order was selected as the Credit Action.

   Credit Reporting Company	Credit Reference Number
   CBCInnovis, Inc.	ID Number
   Equifax	Order Number
   FIS Credit Services	Services File Number
   First American	Credco Reference Number
   Kroll Factual Data	Data Reference Number
   LandAmerica	Reference Number or Credit Report Number
   LandSafe	Request ID Number

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Resubmissions

When resubmitting orders, the Credit Action field defaults to Use Existing. With this option, the merged credit returned with the initial order remains intact. In-file credit will be returned to accompany the merged credit report initially ordered (look for the Infile Credit tab in the document viewer when you view/print).

You may select an alternate option from the Credit Action drop-down menu as appropriate. See Initial Submissions above for details.

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