Mortgage FAQs
How To FAQs
Q: How do I order an online supplement?
Open the report in www.XpertOnline.net. Click on the Supplements tab and then click "Request a Supplement". A copy of the report will open in a separate window. Click on the applicable trade line (blue line/link) to enter your request. A window will appear for you to either select a common service from a drop down list or you can type the information manually. Once you click on "submit", the request is sent to your assigned credit reporter electronically.
Q: Can I track my online supplement requests without having to call anyone?
Yes. In www.XpertOnline.net, all online Supplement requests are listed on the Supplements tab with a status. When a supplement is completed, the status will indicate that the supplement is complete and the completed request will then move to a Completed Supplements section. All pending requests will be listed as pending in a separate section. This will help you sort what is still being worked on and what is complete.
Q: Can I be sent an e-mail message when my report is ready to be viewed so I do not have to keep checking for it?
Yes. We can setup your e-mail address in our system and your credit reporter will send you a notice when your report is ready to be viewed.
Q: Can I look at an original report before it was updated?
Yes. In www.XpertOnline.net, the Reports tab lists an entry for every report sent to your mailbox. This entry includes a date/time stamp so that you know when it was sent to you. You can open any of the reports listed to view and/or print.
Q: How do I remove a borrower from the report?
Open the report in www.XpertOnline.net. In the "Unmerge Report" section of the Reports tab, click on the borrower that you wish to remove. This will generate a report, for you to view and/or print.
NOTE: this option just gives you a view of what the report will look like without the borrower and this action does not make permanent changes on the file. To permanently remove the borrower from the file, you need to contact your credit reporter for assistance.
Q: Can I look at my billing online?
Yes. Open www.XpertOnline.net and click on the "Admin" tab. Under the Admin section, click on Management Reports. Depending on the rights set under your User ID, you will be able to view all reports ordered under the account or all reports ordered by you personally. If you have rights to view all reports ordered under your account, you can also print a breakdown per requestor.
Q: Can I reissue my credit report into FNMA DU/DO?
Yes. You simply use the reference number of the initial report in FNMA to reissue.
Q: Can Data Facts be used in the Freddie Mac Loan Prospector program?
Yes. Through a direct connection with Fidelity/TransChicago, Data Facts can now be used in Loan Prospector. A copy of the LP report will reside on XpertOnline for users to access for supplement requests and/or report upgrades.
NOTE: This access requires a separate setup. If you would like to be setup to use LP, please contact Data Facts technical support for assistance at support@datafacts.com.
Q: Can I reissue a report into Freddie Mac LP that was pulled outside of the Freddie Mac LP program?
Yes. You can reissue reports pulled in the Data Facts system.
LOS Interface FAQs
Q: What interfaces are currently available with the Data Facts programs?
For a complete list of interfaces available, click here: LOS Interfaces
If you would like additional information or have questions, please contact Data Facts technical support for assistance at support@datafacts.com.
ePASS
Q: How do I use the Data Facts interface in ePASS?
Click on: Data Facts in ePASS
POINT
Q: How do I use the Data Facts interface in Calyx Point?
Click on: Data Facts in Point
BYTE 2.0
Q: How do I use the Data Facts interface in BYTE 2.0?
Click on: Data Facts in Byte
Q: In my LOS, can I order a new report for a borrower if a report has previously been requested?
By default, we set all of our accounts with the ability to upgrade reports within 90 days. This default prevents you from being able to order a duplicate file in your LOS on the same file. If you would like the ability to order a new report inside your LOS, please contact Data Facts technical support for assistance at support@datafacts.com.
DO/DU Reports
Q: I am getting an error about my account information in DU. Where do I check this?
When you are ordering or reissuing a credit report in DU, there is a section for you to select the Credit Vendor. You must make sure that you have the correct information entered in this section to use Data Facts. If you need to verify your account information, please contact Data Facts technical support at support@datafacts.com.
Q:I am reissuing a credit report and getting an error that my reference number does not match what is on file at the bureau. What is causing this?
You must enter the report/reference number exactly as it appears on the original report. You must include all dashes. If there are letters in the report, they must be capitalized. Please make sure that you do not have anything entered other that what is in the report/reference number. If you continue to have problems, please contact Data Facts technical support at support@datafacts.com.
Q: I am getting Error code 41 when trying to reissue a report into FNMA. What is causing this?
This error can be a caused by a number of things. Please review the checklist here for the possible issues: FNMA Error 41 or 42 checklist. If you continue to have problems, please contact Data Facts technical support at support@datafacts.com.
For more information on reissuing reports in the FNMA system, please click here: FNMA reissues.
AU / Investor Interfaces
Data Facts reports are able to be reissued in a number of automated underwriting and investor programs. Click on this link to view the programs our reports can be reissued in: Investor interfaces.
System Information
Q: What are the system requirements for using the Data Facts programs?
Internet Explorer version 6.0 or greater with 128-bit encryption is recommended for program access. It is recommended that the user have a fast internet connection other than dial-up since all transactions will be processed online. If you are using dial-up, the report order and retrieval process will be slower than if working on a fast internet connection.
Adobe Acrobat Reader is required to view/print the credit reports. Click here to download the latest version of Adobe Reader.
Q: How do I verify what version of Internet Explorer I have?
To verify the version of Internet Explorer you are using:
Open Internet Explorer
Click on Help
Click on About Internet Explorer and verify the version listed
If you need to update your current version, this update can be completed by going to Microsoft's Internet Explorer download page. Please keep in mind that your internet connection speed will determine how quickly this update process is completed. If you need assistance in upgrading, please contact Data Facts technical support at support@datafacts.com.
Q: Are Data Facts reports checked for OFAC ?
Yes. We currently provide the OFAC search for all reports that pull credit through Experian.
