A Credit Supplement is a third-party revision of any item on a credit report. 

 It’s typically completed within 24–48 hours. If there’s any delay, we notify you immediately. 

The process of ordering a Supplement can begin in a LOS, but the actual order is placed online through the Web Credit System. 

After getting a notice of completion via email, a Supplement can be retrieved from IR’s Web Credit System. 

IR supplements don’t affect the credit score. However, if you did want  to change the score consider doing a Credit Rescore – a streamlined  process for verifying and updating a tradeline – instead. 

Because of the Fair Credit Reporting Act, mortgage lenders and brokers  absorb all fees as an operational cost of doing business. This is  because a Credit Rescore is a business-to-business transaction rather  than business-to-consumer. 

With the appropriate documentation, a Rescore can be processed within  3-4 business days. For an additional fee, Equifax and Experian can do  rush orders. 

First, the borrower needs to provide a dispute removal letter (which we  can provide a template for). Then, the borrower’s mortgage company can  order a Credit Rescore through IR’s Web Credit System. 

Experian only requires a Consumer Dispute Removal Letter signed by the  borrower. TransUnion will either remove the dispute comment with the  letter or contact the creditor to verify. Equifax will accept the  Dispute Removal Letter for all comments with exceptions to “consumer  disputes reinvestigation in progress.” 

The bureaus require either a current statement or online account  printout showing account numbers and an exact, up-to-date balance. All  documentation from the creditors must be on the creditor’s company  letterhead and signed by a company representative. Other supporting  documentation can be provided, but the bureaus reserve the right to  accept any item that overrules what is being reported on a credit  report. 

Bankruptcy filings aren’t considered acceptable documentation for  rescoring. You’ll still need to obtain letters from the unsecured  property claims, such as credit cards and collections, indicating  they’ve been removed via bankruptcy. 

Bureaus will only accept a Credit Verification Release form with the  same the account number on the borrower’s credit report. You can get  this form by calling the AMEX Credit Bureau Division at 800 874 2717.  

In some cases, bureaus may contact creditors directly to verify  requests. If so, borrowers should contact creditors to “authorize the  release or sharing” of their account information with the bureaus.