Credit Supplements

Access non-traditional credit information and additional tradelines to build comprehensive borrower profiles.

Complete the Credit Story With Additional Tradeline Data

Traditional credit reports don’t always tell the complete story. SettlementOne’s Credit Supplement services fill crucial gaps by accessing additional tradeline information, alternative credit data, and payment histories not captured by standard bureau reporting. This expanded view helps you serve more borrowers while maintaining sound underwriting standards.

Credit supplements are particularly valuable for borrowers with thin credit files, those who primarily use non-traditional credit, or when additional verification of payment histories can strengthen applications. By incorporating utility payments, rent history, and other alternative data, you can identify creditworthy borrowers who might otherwise be overlooked.

Key Features

Tradeline Update: Current balance, payment, history, and collateral
Alternative Data Sources: Utility, telecom, and rent payment histories
Additional Tradelines: Credit accounts not reporting to all bureaus
Manual Trade References: Verification of non-automated credit relationships
Thin File Enhancement: Build scoreable profiles for limited-history borrowers
Custom Verification: Flexible options for unique credit situations

How It Works

When standard credit reports provide insufficient information, our supplement service activates additional data searches. This includes querying specialized databases for utility and rent payments, contacting creditors directly for manual trades, and accessing alternative credit repositories. The supplemental data integrates seamlessly with traditional credit information, providing a unified view of borrower creditworthiness.

Use Cases

First-Time Buyers:

Build credit profiles for young borrowers using rent, utility, and cell phone payment histories.

Self-Employed Borrowers:

Verify business credit relationships and vendor payments not captured in personal credit reports.

Recent Immigrants:

Access international credit histories and establish U.S. credit profiles using alternative data.

Why SettlementOne

Our credit supplement services go beyond basic alternative data by providing truly comprehensive borrower profiles. With established relationships across traditional and non-traditional credit sources, we deliver information others can’t access. This expanded capability helps you approve more qualified borrowers while maintaining confidence in your credit decisions.

Keep Every Loan Moving Forward

SettlementOne empowers lenders with trusted credit and verification solutions that simplify workflows and reduce borrower risk so you can focus on closing with confidence.

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