February 21, 2005, Kirkland WA
ARC RAPID RE-SCORES GO UP OR THEY'RE FREE

Rapid Re-Score , American Reporting Company's credit re-scoring service costs nothing if it doesn't increase a home borrower's credit score. ARC is the first to guarantee an increased FICO (Fair, Isaac & Co.) score, the standard used by the credit reporting agencies for rating a borrower's likelihood to repay a loan.

ARC's Rapid Re-Score is designed and operated to streamline the process of getting the documentation from creditors to the credit bureaus, increasing credit scores more quickly. It is potent and fast. The average credit re-score increases by 30 points. Turnaround time is usually 48 to 72 business day hours, although ARC does many in only 24 hours. Rapid Re-Score enables loan officers and mortgage professionals to help borrowers get better rates or even qualify for a mortgage that might not be possible otherwise. “ Our experienced, knowledgeable people make it possible to offer this guarantee,” says Francois Madath, Senior Vice President, Business Operations and the person in charge of Rapid Re-Score. “Their efficiency means that lenders can help more borrowers get the loans they need.”

How Re-scoring helps borrowers:

The ARC Rapid Re-Score provides lenders and borrowers a process to update incorrect information in an expedited manner. After consulting with an ARC representative and forwarding the appropriate documentation, ARC will submit that information to the credit bureaus in order to update the borrower's files. Paying down high credit card balances, deleting items reported in error, or dismissal of public records are excellent candidates for re-scoring files and increasing credit scores. It is an outstanding tool to help lenders assist their clients with improving the management of their credit.

How to use Rapid Re-Score:

When you have a borrower whose FICO score need improvement, do four things.
• First, call an ARC customer service representative—1-800-992-1058—to analyze your file.
• Then, get the borrower to put together the creditor documents for the re-scoring process.
• Next, forward them and the necessary paperwork to ARC's Re-Score department.
• Finally, access your new ARC Credit Report at www.arcreports.com . Turnaround will be three business days or less, often in as little as 24 hours.

“Our guarantee means you can't go wrong,” notes Madath, You get a fast improvement in your borrower's FICO score. Or it costs you nothing.”

American Reporting Company is based in Kirkland , Washington and offers the lending industry nation-wide an integrated array of valuation and credit tools, such as Rapid Re-score, to speed the lending process as well as lowering the cost of approving a home loan. Contact an ARC Sales Professional at sales@arcreports.com or call 1-800-992-1058 for more information about ARC.