Post-Close /

QC Reports (Soft)

Perform thorough post-close quality control and compliance checks using soft-pull reports that maintain borrower goodwill.

Quality Control Verification Without Borrower Impact

Post-close quality control is essential for compliance, investor requirements, and portfolio risk management. SettlementOne’s Post-Close/QC soft-pull reports enable comprehensive credit verification after loan closing without the negative impact of hard inquiries appearing on borrower credit reports months after their transaction.

This borrower-friendly approach to quality control helps maintain positive customer relationships while ensuring thorough compliance verification and early payment default (EPD) risk assessment.

Key Features

Soft-Pull Verification: No credit score impact or visible inquiry to borrowers
Compliance Checking: Verify credit data accuracy for audit requirements
Exception Reporting: Automated flagging of material changes requiring review
Audit Trail: Complete documentation for investor and regulatory reviews
Batch Processing: Efficient handling of multiple files for systematic QC

QC Applications

Compliance Audits:

Verify credit data accuracy and documentation completeness without borrower impact.

Investor Requirements:

Meet post-close review requirements while maintaining customer satisfaction.

Early Payment Default Prevention:

Identify new credit obligations that might indicate payment struggles.

Portfolio Monitoring:

Regular reviews of closed loans for risk management purposes.

How It Works

Post-Close/QC reports use the same soft-inquiry technology as our refresh reports, pulling current credit data without borrower awareness or score impact. The system compares post-close credit profiles to origination data, flagging material changes or new obligations that might affect loan performance or indicate compliance issues.

Why SettlementOne

Traditional post-close QC using hard pulls can damage borrower relationships and generate complaints. Our soft-pull QC solution provides all the verification you need while respecting your customer relationships. This approach supports both thorough compliance and positive borrower experiences—essential for long-term business success.

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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