Credit Partners and Samples

This page contains the following information for Credit Partners:

Product Attributes - Describes all possible attributes for credit partners.
Credit Partner Information and Samples - Describes the Options object for supported credit partners based on credit partner group number.

Product Attributes

The following table lists all possible attributes for credit partners. Not all attributes are required for a given partner. Use the Option object samples provided in the Credit Partner Information and Samples section above as a reference to see which attributes are required for a given vendor.

ATTRIBUTE	DESCRIPTION
entityRef object	References the entity ID and entity type. Both must include the loan ID and borrower application ID associated with the loan. Both are returned by getLoan.
entityRef.entityId string	The entity identifier. For example: {loanId}#{borrowerId}
entityRef.entityType string	The type of entity expressed in URN format. For example: urn:elli:encompass:{loan}:{borrower}
name string	Name of the service to order. See the Partner Information section to get the correct name value for the partner; either the Transaction_Resource object or Transaction object name.
credentialStore String	Optional. Indicates that the API user will use credentials stored in the Encompass Services Password Manager at a user-level. Currently, user is the only supported value. Note: The credentials object and the credentialStore attribute cannot be passed simultaneously in a request - they are mutually exclusive.

credentials object	Login credentials for the service provider. Note: You must have an account with the service provider. You'll use the same account credentials required by the service provider to order services.
credentials.userName string	Username for the service provider account.
credentials.password string	Password for the service provider account.
credentials.providerID string	Provider ID for the service provider accounts. Note: This attribute is applicable to Partners in group #2 only.
credentials.providerID string	Subscriber ID for the service provider account. Note: This attribute is applicable to Partners in group #2 only.


options object	Important! The parameters defined by the options object will be different depending on the service provider you choose. For credit services, refer to the samples in the Credit Partner Information and Samples.
options.digiCert boolean	Determines how to authenticate to TransUnion. true - Indicates a DigiCert SSL certificate will be used. false - Indicates the user name and password will be used to authenticate.
options.requestType string	Indicates the request type being submitted. Possible values are NewOrder and Reissue.
options.reportOn string	Possible values are: Individual - Requests a report on one borrower. Joint - Requests reports on both borrowers.
options.reportType string	Type of credit report. Possible values are: RMCR - Residential Mortgage Credit Report. Merge - Instant Merge credit report. Infile - Credit report.
options.creditReportIdentifier string	Identifier assigned by the credit partner. It is returned in the response and is required to reissue or update a report.
options.note string	Comment or note to add to the request.
options.excludeZeroforImportLiabilities boolean	Whether to exclude zero liability balances from future credit report import files.
options.creditBureauExperian boolean	A value of true indicates the request is submitted to Experian.
options.creditBureauEquifax boolean	A value of true indicates the request is submitted to Equifax.
options.creditBureauTransUnion boolean	A value of true indicates the request is submitted to TransUnion.
options.ficoScore boolean	Indicates whether to retrieve the credit score from the partner.
options.fraudSearch boolean	Indicates whether to initiate a fraud search while retrieving the credit score.


preferences
preferences.importLiabilities boolean	When set to true, imports all liabilities. When set to false, no liabilities are imported.
preferences.excludeZeroforImportLiabilities boolean	Whether to exclude zero liability balances from silent liability import files.
preferences.autoSave boolean	When set to true, the service provider’s response is automatically saved to Encompass. When set to false, the lender is prompted to save the service provider’s response to Encompass.

resources object	Optional. This object contains the resources (documents and attachments) associated with the loan that are being shared with the service partner with respect to the service request. You may send documents and attachments if necessary.
resources.entityId string	Optional.The entity identifier for the resource. If the resource you are passing is an eFolder attachment, the attachmentId is required. If the resource you are passing is an eFolder document, the documentId is required. You can retrieve these from using the eFolder Attachment and eFolder Document APIs.
resources.entityType string	Optional. The entity type/format of the resource. Possible values include: _ For an Encompass eFolder attachment: urn:elli:encompass:attachment _ For and Encompass eFolder document: urn:elli:encompass:document

Credit Partner Information and Samples

Use the Product Name listed under the Transaction_Resource or Transaction columns to create transactions that follow the respective schema.

Group 1

Partner	Partner ID	Product Name - Transaction_Resource
Avantus	306113	Credit-CBCTAvantus
CBCInnovis, Inc	304369	Credit-CBCInnovis
CoreLogic	274365	Credit-CoreLogic
Equifax Mortgage Services	307827	Credit-Equifax
Factual Data by CBC	304369	Credit-FactualDataCBC
Informative Research	306025	Credit-InformativeResearch

Group 1 Sample

{
	"credentials": {
		"userName": "<Accout Username>",
		"password": "<Accout Password>",
		"clientID": "<Accout ClientID (optional if applicable)>"
	},
	"options": {
		"requestType": "<NewOrder|Reissue>",
		"reportOn": "<Individual|Joint>",
		"reportType": "Infile",
		"creditReportIdentifier": "",
		"creditBureauExperian": true,
		"creditBureauEquifax": true,
		"creditBureauTransUnion": true
	}
	}

{
	"credentials": {
		"userName": "<Accout Username>",
		"password": "<Accout Password>",
		"clientID": "<Accout ClientID (optional if applicable)>"
	},
  "options": {
    "requestType": "<NewOrder|Reissue>",
    "reportOn": "<Individual|Joint>",
    "reportType": "Merge", 
    "creditReportIdentifier": "",
    "creditBureauExperian": true,
    "creditBureauEquifax": true,
    "creditBureauTransUnion": true
  }
}

{
	"credentials": {
		"userName": "<Accout Username>",
		"password": "<Accout Password>",
		"clientID": "<Accout ClientID (optional if applicable)>"
	},
  "options": {
    "requestType": "<NewOrder|Reissue>",
    "reportOn": "<Individual|Joint>",
    "reportType": "Merge", 
    "creditReportIdentifier": "",
    "creditBureauExperian": true,
    "creditBureauEquifax": true,
    "creditBureauTransUnion": true
  }
}

Group 2

Partner	Partner ID	Product Name - Transaction_Resource
ACB Credit Solutions	307374	Credit-ACBCreditSolutions
Accurate Financial Services	223756	Credit-AccurateFinancialServices
ACRAnet Inc.	305770	Credit-ACRAnet
Credit Information Service, Inc.	313049	Credit-CreditInformationServices
Credit Information Systems	11124868	Credit-CreditInformationSystems
Data Facts, Inc.	307446	Credit-DataFacts
DCI Credit Services, Inc	311105	Credit-DCICreditServices
MFI Credit Solutions	174688	Credit-MFICreditSolutions
Mortgage Reporting Center	306108	Credit-MortgageReportingCenter
NCO Credit Services (Power by Synergistic)	304647	Credit-NCOCS
Network Credit Services	305310	Credit-NetworkCreditServices
NMR-SettlementOne	305308	CreditNMR-SettlementOne
One Source Credit Reporting, LLC	305312	Credit-OneSourceCreditReporting
Online Mortgage Reports	306957	Credit-OnlineMortgageReports
San Antonio Retail Merchants Association (SARMA)	307479	Credit-SARMASL
Sharper Lending	11132718	Credit-SharperLending
Strategic Information Resources, Inc	305917	Credit-StrategicInformationResources

Group 2 Sample

	{
		"credentials": {
			"userName": "<Accout Username>",
			"password": "<Accout Password>",
			"providerId": "<Accout ProviderID>",
			"subscriberId": "<Accout SubscriberID"
		},
		"options": {
			"requestType": "<NewOrder|Reissue>",
			"reportOn": "<Individual|Joint>",
			"productCode": "<ProductCode>"
	
--Unique product code assigned by SL and could be different based on user profile. The code returned -- in a separate call to SL "creditReportIdentifier": "",
	
		}
	}

Group 3

Partner	Partner ID	Product Name - Transaction_Resource
Covius Mortgage Solutions	11025251	Credit-Covius
Partner Credit & Verification Solutions (Old Republic)	311509	Credit-OldRepublic
Transunion	11213781	Credit-TransUnion

Group 3 Sample

{
	"credentials": {
		"userName": "<Accout Username>",
		"password": "<Accout Password>",
		"clientID": "<Accout ClientID (optional if applicable)>"
	},
	"options": {
		"requestType": "<NewOrder|Reissue>",
		"reportOn": "<Individual|Joint>",
		"reportType": "Merge",
		"creditReportIdentifier": "",
		"creditBureauExperian": true,
		"creditBureauEquifax": true,
		"creditBureauTransUnion": true
	}
	}

{
	"credentials": {
		"userName": "<Accout Username>",
		"password": "<Accout Password>",
		"clientID": "<Accout ClientID (optional if applicable)>"
	},
       "options": {
              "requestType": "NewRequest",
              "digiCert": true,
              "reportOn": "<Individual|Joint>",
              "creditBureauTransUnion": true
       }
}

Group 4

Partner	Partner ID	Product Name - Transaction_Resource
Advantage Credit Bureau (aka DCI Credit - Services, Inc.)	311105	Credit-DCICreditServices
Advantage Credit, Inc.	307374	Credit-AdvantageCredit
Advantage Plus Credit Reporting, Inc.	312724	Credit-AdvantagePlusCreditReporting
Alliance 2020, Inc.	308113	Credit-Alliance2020
American Reporting Company, LLC (Powered by MeridianLink)	306453	Credit-AmericanReportingCompany
Birchwood Credit Services, Inc.	305813	Credit-BirchwoodCreditServices
Cal Coast Credit Reports	312720	Credit-CalCoastCreditReports
Certified Credit Link, Inc.	308119	Credit-CertifiedCreditLink
Certified Credit Reporting (Powered by MeridianLink)	306885	Credit-CertifiedCreditReporting
CIC Mortgage Credit, Inc.	308373	Credit-CICMortgageCredit
CIS Information Services	222827	Credit-CISInformationServices
CISCO Credit (Powered by MeridianLink)	304324	Credit-CISCOCredit
Clear Choice Credit	11120203	Credit-ClearChoiceCredit
Credit Link, LLC	311110	Credit-CreditLink
Credit Plus (Powered by MeridianLink)	303815	Credit-CreditPlus
Credit Technologies, Inc.	304604	Credit-CreditTechnologies
CTI, Credit Technology, Inc.	307830	Credit-CTI
Data Facts, Inc.	307446	Credit-DataFactsInc
Premium Credit Bureau	311416	Credit-PremiumCreditBureau
Merchants Credit Bureau - Augusta	10000058	*Credit-MCBAugusta
San Antonio Retail Merchants Association (SARMA) (Powered by MeridianLink)	307479	Credit-SARMA
Service 1st Info Systems	11017572	Credit-Service1stInfoSystems
Settlement One Data, LLC	305308	Credit-SettlementOneDataLLC
United One	306102	Credit-UnitedOne
Universal Credit - National	11100685	Credit-UniversalCredit

Group 4 Sample

{
	"credentials": {
		"userName": "<Accout Username>",
		"password": "<Accout Password>",
		"clientID": "<Accout ClientID (optional if applicable)>"
	},
	"options": {
		"requestType": "<NewOrder|Reissue>",
		"reportOn": "<Individual|Joint>",
		"reportType": "Merge",
		"creditReportIdentifier": "",
		"creditBureauExperian": true,
		"creditBureauEquifax": true,
		"creditBureauTransUnion": true,
    		"ficoScore": true,
    		"fraudSearch": true
	}
	}