eMortgage Users Guide€¦ · 09/11/2005 · To help you find important information, this documentation uses the following conventions: Alternate actions in procedure steps In the

eMortgage Users Guide

Version 1.1

www.equifax.com

eMortgage Users GuideVersion 1.1November 9, 2005

Copyrights

2005, Equifax Inc. All rights reserved. Any unauthorized use, reproduction, adaptation, distribution, display, or disclosure of this material, or any part thereof, is strictly prohibited and is a violation of the Copyright Laws of the United States (17 U.S.C. Section 101 et.seq.)

Trademarks

Equifax and Credit*Hi-Lite are registered trademarks; Edited Credit*Hi-Lite and Equifax IntelliMerge are trademarks; and Residential Mortgage Credit Report is a service mark of Equifax Inc. in the United States and other countries.

All other brand names and product names used in this document are trade names, service marks, or registered trademarks of their respective owners.

Notices

This product (software and/or documentation) is furnished under a License/Purchase Agreement and may be used only in accordance with the terms of such agreement. Reverse engineering of the software is prohibited.

Equifax Inc. reserves the right to make changes in specifications at any time and without notice. The information furnished by Equifax Inc. in this document is believed to be accurate and reliable, but is not warranted to be true in all cases.

Links and addresses to Internet resources are tested and inspected thoroughly prior to release, but the ever-changing nature of the Internet prevents Equifax Inc. from guaranteeing the content or existence of the resource. When possible, the reference contains alternate sites or keywords that could be used to acquire information by other methods.

Reference herein to any specific commercial products, process, or service by trade name, trademark, manufacturer, or otherwise, does not necessarily constitute or imply its endorsement, recommendation, or favoring by Equifax Inc.

http://www.equifax.com

eMortgage Users Guide, v1.1 ©2005 Equifax Inc. All Rights Reserved. 3

Table of Contents

How to Use This Guide 5

Who should read this documentation .....................................................................................................5

Organization of this documentation .......................................................................................................5

Conventions used in this documentation ...............................................................................................6Alternate actions in procedure steps ...............................................................................................6

What’s new in this release .........................................................................................................................7New eMortgage features ....................................................................................................................7Terminology changes from the previous release ...........................................................................7

Chapter 1 Getting Started

eMortgage users ..........................................................................................................................................9

Logging on to eMortgage ........................................................................................................................10

General usage of the eMortgage application ........................................................................................12Searching in eMortgage ....................................................................................................................13Sorting in eMortgage ........................................................................................................................14Using the online help .......................................................................................................................14Exiting eMortgage ............................................................................................................................16

Chapter 2 Ordering Products

Ordering Credit products .......................................................................................................................18

Ordering a Flood Certificate ..................................................................................................................20

Ordering a Home Value Explorer (HVE) product ............................................................................21

Ordering a Home Value Calibrator (HVC) product ..........................................................................23

Ordering a Basis 100 product ................................................................................................................24

Ordering products off-line .....................................................................................................................25

Table of Contents

4 ©2005 Equifax Inc. All Rights Reserved. eMortgage Users Guide, v1.1

Chapter 3 Working with Existing Orders

About order statuses ............................................................................................................................... 27

Locating an existing order ...................................................................................................................... 28Finding a recent order ..................................................................................................................... 28Searching for an order ..................................................................................................................... 29

Viewing order documents ...................................................................................................................... 30Viewing the report delivered for an order .................................................................................... 30Displaying the Merge Plus supplement for a Merged Credit Report ....................................... 31Displaying the disclosure attached to a Credit Report ............................................................... 31

Upgrading an existing order ................................................................................................................... 31Updating a Merged Credit order to Merge Plus .......................................................................... 32

Verifying Tradelines ................................................................................................................ 33Verifying Public Records ........................................................................................................ 35Adding Tradelines ................................................................................................................... 36

Converting a Merged Credit order to an RMCR ......................................................................... 38Adding and dropping repositories for a Credit order ................................................................ 38Cancelling an RMCR or Merge Plus order ................................................................................... 39

Running reports ....................................................................................................................................... 40Viewing a Billing Report ................................................................................................................. 40Viewing a Turnaround Time Report ............................................................................................. 41

Chapter 4 Administration and Maintenance

Updating your user profile ..................................................................................................................... 43

Changing your password ........................................................................................................................ 44

Chapter 5 Account Supervisor Tasks

About user accounts ................................................................................................................................ 47

Maintaining eMortgage users ................................................................................................................. 48Creating a user .................................................................................................................................. 49Updating a user profile .................................................................................................................... 52

Deactivating a user .................................................................................................................. 53Resetting a user’s password ............................................................................................................ 53Deleting a user .................................................................................................................................. 54

Glossary 55


How to Use This Guide

This guide describes how to use the eMortgage application—a Web-based application, created by Equifax Inc.—to order and view reports related to mortgage and other loan services. It describes the features of the software, provides examples of how and when to use those features, and gives step-by-step instructions for most tasks you perform.

Who should read this documentation

Use this guide if you are involved in ordering and interpreting Credit, Flood, and Valuation reports; configuring eMortgage to automatically handle different conditions; or maintaining your eMortgage account and creating new users.

This guide assumes that you are familiar with:Basic use of Microsoft Internet Explorer.The information required for each of the types of reports available in eMortgage.The policies and procedures regarding these reports within your place of business.

Organization of this documentation

The information in this guide is presented in three chapters:Chapter 1, Getting Started, provides an introduction to eMortgage, including how to log on and an overview of the usage of the application.Chapter 2, Ordering Products, provides instructions for ordering Credit, Flood, Home Value Explorer (HVE), Home Value Calibrator (HVC), and Basis 100 products. Chapter 3, Working with Existing Orders, describes how to interact with existing orders, including searching for a specific order, viewing individual order information, upgrading an order, and running management reports.

NOTE You are probably reading a PDF version of this guide online using Adobe Reader or Adobe Acrobat Reader. You can use the Bookmarks pane to navigate the book, click links in red to jump to a referenced section of the book or a definition in the glossary, and click underlined links in blue to open a Web site in a browser window.

How to Use This GuideConventions used in this documentation


Chapter 4, Administration and Maintenance, provides instructions on modifying your user profile and changing your password.Chapter 5, Account Supervisor Tasks, provides instructions on creating and maintaining account users.

A Glossary is also provided.

Conventions used in this documentation

To help you find important information, this documentation uses the following conventions:

Alternate actions in procedure steps

In the procedures provided in this guide to assist you in performing various tasks in eMortgage, there are some steps where you have a choice to perform alternate actions. These steps use the convention:

1 Do this.This happens.Or,

Do this if…This other thing happens.

This convention Indicates

boldface The names of elements of the user interface, such as navigation menu items, hyperlinks, buttons, and options.

bold monospaced Text you should type exactly as shown, such as “Enter ABCD in the Loan Number box.”

monospaced This style is used for code, file names, directory paths, and text in fields on pages of the application.

Orders > Credit The path to a command in a navigation submenu. In this example, the Credit command in the submenu that is available when you hover your mouse over the Orders item in the horizontal navigation menu.

NOTE Notes that contain additional explanation.

TIP Tips that contain shortcuts or special information.

CAUTION Cautions that contain information to avoid errors.

WARNING Warnings that contain information about potentially damaging actions. Read them carefully.

SEE ALSO and inline cross-references

Cross-references that tell you where in this guide you can find additional information about a topic. You can click on the colored text to jump to the location of the related information.

How to Use This GuideWhat’s new in this release


The first action given will be the recommended or usual action to perform for the intended purpose of the procedure. The subsequent actions given will be the actions to perform under specific conditions or to achieve some other result.

What’s new in this release

If you have used a previous version of eMortgage, you should read this section to familiarize yourself with the added features and terminology changes in this release.

New eMortgage features

In addition to the new initial account user registration process and modifications to the eMortgage user interface to make the application easier to use, the Turnaround Time Report has been added to the application.

For each order that meets the criteria you specify, the Turnaround Time Report shows the time elapsed between when the order was submitted and when the report was returned. If the order is not yet completed, the report shows only the timestamp of the submittal. See “Viewing a Turnaround Time Report” on page 41 in Chapter 3, Working with Existing Orders, for more information.

Terminology changes from the previous release

The new eMortgage terms are used in this guide and included in the Glossary. The table below provides a basic mapping of the new terms to those used in the previous release.

New terms Previous terms

Merged Credit Credit*Hi-lite® Report (CHL)

Merge Plus Edited Credit*Hi-lite™ Report (ECHL)

Converted RMCR CONV

New status indicator Previous status indicator

Report Delivered RPTD

Pending INVSUPDT

Entered ENTR

Cancelled CANC

Waiting on Bureaus BURW

Bureaus Pulled BURC

Note Delivered REPT

Report Generated RPTC

How to Use This GuideTerminology changes from the previous release



1Getting Started

The eMortgage system is a secure, Web-based application designed to assist lenders in acquiring various products necessary to support the mortgage origination process, including:

Credit Reports, including Merged Credit, Residential Mortgage Credit Report (RMCR), and combined Merged Credit/RMCR. Credit Reports can be modified and updated to Merge Plus.

Flood Certificates.Automatic Valuation Models (AVM), including Home Value Explorer (HVE), Home Value Calibrator (HVC), and Basis 100.

In addition to ordering these products, eMortgage allows you to upgrade Credit Report orders, view the reports returned for orders, and run billing and turnaround time reports. eMortgage also provides you with forms you can use to request offline products, including a Nontraditional Mortgage Credit Report, an International Mortgage Credit Report, and an Expedited Consumer Dispute Process, as well as forms you can use when you need to fax additional information to Equifax Mortgage Services.

In eMortgage, you perform all of these activities within an account. You should note that this account may also be used for other applications, and eMortgage will allow you to interact with product orders placed for the account, not just those placed within eMortgage for the account.

eMortgage users

For eMortgage, you can have two types of users for your account: Supervisor users and Normal users.

Supervisor users can:Create both Normal users and additional Supervisor users for the account and linked accounts.Modify the profile or reset the password of a user.Delete or make users inactive when they do not require access to the eMortgage system.

NOTE If you used a previous release of eMortgage, you should read “Terminology changes from the previous release” on page 7 to familiarize yourself with these new terms.

NOTE If your account is linked to other accounts, you can also interact with orders placed within an account linked to yours.

SEE ALSO These Supervisor tasks described in Chapter 5, Account Supervisor Tasks.

Getting StartedLogging on to eMortgage


Normal users can:Order products.Request updated Credit Reports.

All users can:Review recent orders placed for the account and linked accounts.Search for orders that match certain criteria.View the reports returned for orders.Modify their own user profiles and change their passwords.Run billing and turnaround time reports.Access forms to request off-line services.

Your production handling office configures which products can be ordered within your account. A Supervisor user specifies which products a Normal user can order and whether or not a Normal or Supervisor user can run the management reports.

Logging on to eMortgage

The first task in using eMortgage is to log on to the system. The user ID that you use to log on determines the type of user and, thus, the eMortgage functions you have access to. You can log on using:

A Supervisor username and password to create and maintain account users for the eMortgage application and to monitor orders for the account and linked accounts.A Normal username and password to order products, interact with existing orders for your account, modify your user profile, and change your password.

To log on to eMortgage

1 Open Internet Explorer and navigate to the following URL:https://emort.equifax.com/eMortgage

The eMortgage Members Login page is displayed.

TIP If you are viewing this guide electronically, you can simply click the link above to open this URL in a new browser window.

https://emort.equifax.com/eMortgage

Getting StartedLogging on to eMortgage


You can use the links in the Products side of the page to read more information about the products available with eMortgage.

2 Enter your Username and Password and click LOGIN.If necessary, consult your supervisor for the correct username and password to use.The eMortgage Home page is displayed. The Home page shows the most recent orders for your account. The total number of orders shown and how old they can be is configured as part of your user profile.Whenever you log on to eMortgage using a password generated for your user ID by the system (the first time you log on or after a supervisor resets your password) or when you log on when your password has expired (after 90 days), you are automatically sent to the Change Password page to set a new password, along with a hint question and answer in case you forget your password.

SEE ALSO See “Changing your password” on page 44 in Chapter 4, Administration and Maintenance, for information on password requirements and the hint questions.

NOTE After three unsuccessful attempts to log in, your account will be locked. In this case, you must contact your account supervisor to reset your password.

Getting StartedGeneral usage of the eMortgage application


General usage of the eMortgage application

The Main Menu bar is available on every eMortgage page and contains commands and menus. When you hover (hold your mouse) over an item on the Main Menu that contains its own menu of commands (such as Reports), those commands are shown.

The Order navigation menu is available on the eMortgage Home page and contains the same commands as the Orders menu on the Main Menu bar—links to the ordering page for each product your user is allowed to order. These links allow you to quickly access the eMortgage features you will use most often. If you log on as a Supervisor, no links are displayed, since a Supervisor cannot order product.

Additional links are available on the eMortgage Home page and are provided so that you can quickly access other information, including an online version of this guide, common questions about eMortgage and their answers, and the information about products as provided on the Members Login page.

When you select a command in the Main Menu bar or Order navigation menu (such as Order Search), the page of the application containing the functionality related to that command is displayed in the eMortgage Page area.

Main Menu bar

Ordernavigation menu

eMortgage Page area

Additional links

Getting StartedSearching in eMortgage


You enter text into a Text box (such as the Loan Number box or the Last Name box) when you can specify all or part of the item, select a choice in a Drop-down list box (such as the Product Code list) when you can select one item from a known list of items, and click a Button (such as Search or Close) to perform some action.

Searching in eMortgageThere are three searches you can perform in eMortgage:

1. You can search for orders to view their individual details.2. You can search for orders to view in a Billing Report.3. You can search for orders to view in a Turnaround Time Report.

In each case, you are presented with one or more fields in which you can select or enter criteria to narrow down the information displayed when you click Search or Accept.

When you enter text into a text box, you can specify one or more characters—eMortgage will find all items that start with those characters. For example, entering H in the Last Name box will return all orders with a Last Name beginning with C. Entering HIL will return orders with a Last Name beginning with HIL (including HILFIGER, HILLS, and HILTON), which may be a lot of orders, but far fewer than the number returned by the first search. In this method, the more specific you make your criteria, the fewer results returned.

NOTE When you enter text into fields that are validated (that must meet specific criteria), the text is forced to UPPERCASE as you type. When you enter text into fields that are unrestricted, such as the Loan Number or Comments, whatever mixed case you use as you enter the text is used.

NOTE Due to constraints in the way that data is transferred between your Web browser and the eMortgage system, you cannot use the symbols &, <, >, ", or ;. eMortgage does not allow you to type these characters in the text boxes.

TIP You can use standard Windows drag-and-drop and cut, copy, and paste features on text in text boxes. For example, if you type the first and last name in the First Name box, instead of in the First Name and Last Name boxes, you can select the last name in the First Name box and drag it to the Last Name box or cut the text and paste it in the Last Name box.

Text boxes

Drop-down list box

Buttons

Getting StartedSorting in eMortgage


When you select criteria in a drop-down list box, you can select only one item in the list. You can press a letter or number key to jump to the first item in the list (after your current position) that begins with that character. Press the key repeatedly to cycle through all items beginning with that character.

When you search for orders or run a Billing or Turnaround Time Report, the results can display only 10 orders at one time. When more than 10 orders are returned for a search, you can use the Next and Previous buttons to page through the entire set of data.

Sorting in eMortgage

When you search for orders or view the Most recent orders, you can sort the orders based on the contents of different columns. The columns you can sort on include a sort indicator in the column header. This indicator is grey if the column has not been used to sort the orders.

When the column is used to sort the orders, the indicator is yellow. Clicking the sort indicator once sorts the results in ascending order for that column; clicking again sorts in descending order. By default, both the Most recent orders and the Search Results are sorted descending order by the date they were entered (newest to oldest).

Using the online help

Each eMortgage page includes a Help button. When you click Help, a popup window opens to information related to the current page. The illustration below shows the popup window that opens when you click Help in the Tradelines—Details Verification Items page.

You can scroll to view the entire topic. Each help popup window contains a set of related topics. For example, the eMortgage Order Processing popup window shown in the illustration above contains information for all of the pages related to updating a Merged Credit to Merge Plus.

Getting StartedUsing the online help


You can click the TOP hyperlink to jump to the beginning of the current topic—in this case, back to the Tradelines—Details Verification Items Page heading shown in the first illustration.

You can click the MAIN MENU hyperlink to jump to the top of the window, where links to each topic in the window are available.

You can use the Print this page hyperlink at the top of the window to print the contents of all of the help topics in the window. You can use each of the other hyperlinks to jump to the corresponding topic within the window.

Getting StartedExiting eMortgage


Exiting eMortgage

You can exit eMortgage by logging out of the application. If you log out of eMortgage in the middle of a task, you will lose any unsaved changes.

To exit eMortgage

Click Logout on the Main Menu bar.

You are not prompted to save your work. The Members Login page is displayed.


2Ordering Products

When you log on to eMortgage as a Normal user, you can order products for your account. Which types of products you can order is determined by:

The products your account is configured for.Within these, the products your user is configured for.

You can use the commands on the Orders menu on the Main Menu bar or in the Order navigation menu to order Credit, Flood, HVE, HVC, and Basis 100 products.

NOTE Only commands for the products you can order are available.

NOTE If you used a previous release of eMortgage, you should read “Terminology changes from the previous release” on page 7 to familiarize yourself with the new terms being used for some products.

NOTE When you enter text into fields that are validated (that must meet specific criteria), the text is forced to UPPERCASE as you type. When you enter text into fields that are unrestricted, such as the Loan Number or Comments, whatever mixed case you use as you enter the text is used.

NOTE Due to constraints in the way that data is transferred between your Web browser and the eMortgage system, you cannot use the symbols &, <, >, ", or ;. eMortgage does not allow you to type these characters in the text boxes.

Ordering ProductsOrdering Credit products


Ordering Credit products

You can use the Credit Ordering Tool to order three types of Credit Reports: a Merged Credit Report, an RMCR, or, if you know that you are going to convert the Merged Credit to an RMCR, you can order a Merged Credit/RMCR. The Merged Credit/RMCR order returns the Merged Credit Report immediately and automatically initiates the conversion to RMCR.

For a Merged Credit Report, the selection of bureaus (also called repositories) pulled by default for your account was configured when your account was set up. You can change which bureaus are pulled for a specific order by selecting a Repository Override. This list contains every possible combination of bureaus. You may also contact your sales representative to change the default bureau selection for your account.

To order a Credit Report

1 Select Orders > Credit or click the Credit link in the Order navigation menu.The Credit Ordering Tool page is displayed.

The Ordered By field is automatically set to your name (Last, First), as specified in your User Profile. You cannot change this field.

NOTE If the applicant’s current or previous address is outside the United States, you may need to order an International Mortgage Credit Report. See “Ordering products off-line” on page 25 for more information.

Ordering ProductsOrdering Credit products


2 Select the type of Credit Report you want to order.

3 If you do not want to pull the default bureaus for your account, select which combination of credit bureaus to use for the report in the Repository Override list.Three credit bureaus can be used to create the report: Equifax (EFX), Experian (XPN), and Trans Union (TU). You can select any combination of these bureaus in the list.

4 If you enter the Loan Number for the order, it will appear on the credit report and invoice.

5 In the Applicant Information area, enter the details for the Applicant and any Co-Applicant.When you enter the date of birth (DOB), eMortgage automatically calculates the Age for you.

6 Enter the applicant’s Address Information.If the applicant has lived at the Current address for less than two years, enter the details for the Previous address.

7 In the Employer Information area, enter the current employer information for the applicant and co-applicant (if any).If you are ordering an RMCR, the Title, Name, and Phone No. are required. For a Merged Credit order, Employer Information is not required.

8 Click Accept to order the Credit Report.You are notified of any errors in the data you have entered. If there are no errors, an Order number is generated, and the order is submitted. If you ordered a Merged Credit or Merged Credit/RMCR, the Merged Credit Report is displayed. You can use the features of the browser or Adobe Reader to view the report, print it, and save a copy of it to a file.

If you ordered an RMCR, you are notified that the order has been submitted. The system searches to see if a Merged Credit order has been submitted from your account with the same exact information and, if so, converts that order to an RMCR.If there is some problem with retrieving the information, you are notified that an error has occurred.Or,

Click Clear to clear all of the data you have entered on the page so that you can begin again. Or,

Click Close to discard any data you have entered and return to the Home page.

CAUTION If you are ordering an RMCR to convert a prior Merged Credit order, you must enter exactly the same information as was used for the Merged Credit order. See “Converting a Merged Credit order to an RMCR” on page 38 in Chapter 3, Working with Existing Orders, for detailed information.

CAUTION If you ordered a Merged Credit/RMCR and will need access to the Merged Credit Report before you receive the RMCR, you should print it out—you will not be able to display the report again from within eMortgage.

NOTE The Order number assigned within eMortgage is the same as the Order Number shown in the upper right corner of the first page of the Merged Credit Report.

Ordering ProductsOrdering a Flood Certificate


9 After reviewing the report or notification message, click Credit Order to return to the Credit Ordering Tool page to order another Credit Report.Or,

Click Recent Orders to return to the Home page. The new order is shown at the top of the Most recent orders list.

Ordering a Flood Certificate

You can use the Flood Certificate Ordering Tool to order a Basic or Life-of-Loan Flood Certificate for any residential or commercial property in the United States.

To order a Flood Certificate

1 Select Orders > Flood or click the Flood link in the Order navigation menu.The Flood Certificate Ordering Tool page is displayed.

The Requestor field is automatically set to your name (Last, First), as specified in your User Profile. You cannot change this field.

2 In the Applicant Information area, enter the details for the Applicant and Co-Applicant (if any).A co-applicant is not required. However, if you enter any co-applicant information, you must complete at least the First Name and Last Name fields.

CAUTION You cannot cancel a Merged Credit order once you have submitted it. If you want to cancel an RMCR order, you must contact your production handling office as soon as possible. If work has already started on the report, you may be charged a partial fee for cancelling.

NOTE Census Tract and 2000 HMDA data is free with Life-of-Loan Flood Certificates.

Ordering ProductsOrdering a Home Value Explorer (HVE) product


3 In the Property Information area, enter the details for the property the Flood Certificate is for.

4 Select No in the Rush list if there is no need to rush on the certificate.The order will be rushed by default.

5 Select No in the HMDA list if you do not want to receive HMDA data along with the certificate.HMDA data will be included by default.

6 Select No in the Life of Loan list to order a Basic Flood Certificate, instead of a Life of Loan Flood Certificate. A Life of Loan certificate will be ordered by default.

7 If desired, enter the Maturity Date for the loan using the format mm/dd/yyyy.

8 If desired, enter a brief Comment (up to 40 characters) to be included with the order.

9 Enter the Loan Number for the order.

10 Click Accept to order the Flood Certificate.You are notified of any errors in the data you have entered. If there are no errors, an Order number is generated, and the order is submitted. The Flood Certificate report is displayed in PDF format in Adobe Reader. You can use the features of Adobe Reader to view the report, print it, and save it to a file. If there is some problem with retrieving the information, an error report is displayed.Or,

Click Cancel to clear all of the data you have entered on the page so that you can begin again. Or,


11 After reviewing the report or notification message, click Flood to return to the Flood Certificate Ordering Tool page to order another Flood Certificate.Or,


Ordering a Home Value Explorer (HVE) product

You can use the Home Value Explorer Ordering Tool to order a Freddie Mac HVE report for a fast, accurate valuation on a property. All you need to specify is the address details of the property, though you can provide additional information regarding the most recent purchase or refinance of the property and the borrower’s name and social security number.

To order an HVE product

1 Select Orders > HVE or click the HVE link in the Order navigation menu.The Home Value Explorer Ordering Tool page is displayed.

Ordering ProductsOrdering a Home Value Explorer (HVE) product


2 In the Property Information area, enter the details for the property to be valued.

3 If available, enter any details you have about the most recent purchase or refinance of the property in the Prior Purchase/Refinance area.

4 Enter the Borrower Information.

5 Click Accept to order the HVE report.You are notified of any errors in the data you have entered. If there are no errors, the order is submitted. The HVE report is displayed. If there is some problem with retrieving the information, an error report is displayed.Or,

Click Clear to clear all of the data you have entered on the page so that you can begin again. Or,


6 After reviewing the report or notification message, click Print to print the report.

Or,

Click HVE to return to the Home Value Explorer Ordering Tool page to order another HVE report.Or,


NOTE When you print the HVE report, you must set the Orientation setting in your printer preferences to Landscape, rather than Portrait, for the entire report to fit on the page.

Ordering ProductsOrdering a Home Value Calibrator (HVC) product


Ordering a Home Value Calibrator (HVC) product

You can use the Home Value Calibrator Ordering Tool to order a Freddie Mac Calibrator report to help ensure that you have an accurate valuation on a property. You must provide details about the property and the most recent loan on the property, including the amount the property was valued for, the date, and how it was valued, as well as the amounts of the loans and the credit score for the borrower.

To order an HVC product

1 Select Orders > HVC or click the HVC link in the Order navigation menu.The Home Value Calibrator Ordering Tool page is displayed.

2 In the Property Information area, enter the details for the property to perform the value calibration on.

3 In the Prior Purchase Information area, enter the details of the most recent valuation of the property and the loan.


5 Click Accept to order the HVC report.You are notified of any errors in the data you have entered. If there are no errors, the order is submitted. The HVC report is displayed. If there is some problem with retrieving the information, an error report is displayed.Or,

Click Clear to clear all of the data you have entered on the page so that you can begin again.

Ordering ProductsOrdering a Basis 100 product


Or,


6 After reviewing the report or notification message, click Print to print the report.Or,

Click HVC to return to the Home Value Calibrator Ordering Tool page to order another HVC report.Or,


Ordering a Basis 100 product

You can use the Basis100 Ordering Tool to order a Basis 100 report for a fast, accurate valuation on a property and neighborhood sales information. All you need to specify is the address details of the property, though you can provide comments and additional information regarding the borrower’s name and social security number.

To order a Basis 100 product

1 Select Orders > Basis100 or click the Basis 100 link in the Order navigation menu.The Basis100 Ordering Tool page is displayed.

2 In the Property Information area, enter the details for the property to be valued.

3 If desired, enter a Comment to be included with the order.


Ordering ProductsOrdering products off-line


5 Click Accept to order the Basis 100 report.You are notified of any errors in the data you have entered. If there are no errors, the order is submitted. The Basis 100 report is displayed. If there is some problem with retrieving the information, an error report is displayed.Or,

Click Cancel to clear all of the data you have entered on the page so that you can begin again. Or,


6 After reviewing the report or notification message, click Print (at the very bottom of the report) to print the report.Or,

Click Basis100 to return to the Basis100 Ordering Tool page to order another Basis 100 report.Or,


Ordering products off-line

eMortgage provides links to forms that you can use to fax additional information and to order products off-line, including:

A Non-traditional Mortgage Credit Report An International Mortgage Credit Report An Expedited Consumer Dispute Process

These forms are provided in PDF format. You can open the forms (in Adobe Reader), print them, fill them in, and submit them. You can also save a copy of the PDF file to your computer, so that you can access it without needing to log on to eMortgage.

To access forms for off-line activities

1 Log on to eMortgage as a Normal or Supervisor user.The eMortgage Home page is displayed.

2 Click Request Forms on the Main Menu bar.

NOTE The links on the REQUEST FORMS page automatically open the correct forms for your production handling office based on the Account your eMortgage user is defined in.

Ordering ProductsOrdering products off-line


The REQUEST FORMS page is displayed.

3 Click on one of the hyperlinks to open the associated form in Acrobat Reader, where you can view, print, and save a copy of the form.


3Working with Existing Orders

Once an order is submitted for your account or an account linked to yours, you can use eMortgage to:Locate the order You can locate an order by looking through the Most recent orders list or by searching for orders that meet specific criteria.View the report delivered for the order For any order with a status of Report Delivered (see About order statuses), you can view and print the report. Upgrade a Credit Report order If you have received a Merged Credit Report, you can:

Update the Merged Credit order to Merge Plus, verifying Tradelines and Public Records and adding Tradelines (including landlord references), if necessary.

Convert the Merged Credit to an RMCR.

If you have received a Merged Credit Report or RMCR, you can add and drop repositories and re-order the Credit Report.View a billing summary for orders You can view a Billing Report summarizing the billing and status information for orders that meet specific criteria.View a report of the turnaround times for orders You can view a Turnaround Time Report showing the time elapsed between when an order was originally submitted and when the report was delivered.

About order statuses

Each order is assigned different statuses based on the actions taken with regard to it. The current status of the order is indicated in the Status column in the Most recent orders list and the search results. Possible order statuses include:

Status Indicates

Report Delivered The report has been delivered successfully.

Pending The production handling office is investigating as necessary and will update the report. This is the status assigned when an RMCR or Merge Plus order is submitted.

Entered The order was entered, but there was a system error of some sort when it was submitted. For a Credit order, this means that no bureaus were pulled.

Working with Existing OrdersLocating an existing order


Locating an existing order

You can locate the order you are interested in within eMortgage using the Most recent orders list or by searching for orders that meet specific criteria. The Most recent orders list and the search results for the orders that meet the criteria you specify are displayed in a table. For each order, the following information is displayed:

Account number.Loan number.Order number.Borrower name.The date the order was entered.The social security number of the borrower.Product ordered. The repositories used for a Credit order.The User ID of the eMortgage user that ordered the Product.The current status of the order.

You can sort the table of orders based on the Loan#, Order#, borrower Last Name, Date Entered, or Product Type, as described in “Sorting in eMortgage” on page 14.

Finding a recent order

When you log on to eMortgage, the Home page is displayed. This page contains the Most recent orders list. The orders included in the list are determined by the settings in your user profile, as described in “Updating your user profile” on page 43 in Chapter 4, Administration and Maintenance. You can scroll through the list locate the order you are interested in.

Cancelled The order was cancelled by the production handling office.

Waiting on Bureaus For a Credit order, the bureau pull is in process, but not yet completed for some reason.

Bureaus Pulled For a Credit order, the bureaus were pulled, but the report was not generated.

Not Delivered For a Credit order, the bureaus were pulled, the report was generated, but no attempt was made to deliver the report.

Report Generated For a Credit order, the bureaus were pulled, the report was generated, an attempt was made to deliver the report, but the delivery failed.

Status Indicates

Working with Existing OrdersSearching for an order


Searching for an order

You can search for orders based on a number of criteria, including the Loan number, Order number, social security number and name of the borrower, the type of product ordered, and the number of days prior to the current day in which the orders were entered into the system. If your account is linked to other accounts, all orders in all linked accounts that meet the criteria you specify are included in the search results.

To search for an order

1 Log on to eMortgage as a Normal or Supervisor user.The eMortgage Home page is displayed.

2 Click Order Search on the Main Menu bar.The Order Search page is displayed.

3 Enter the criteria to define the order you want to find and click Search.

NOTE If you are logged on as a Supervisor user or as a Normal user that does not have permission to update orders to Merge Plus, the page does not contain the Update to Merge Plus button.

NOTE An asterisk (*) in the Repository column indicates that the repository returned an error or something other than the consumer’s file.

SEE ALSO See “Searching in eMortgage” on page 13 for information on searching.

Working with Existing OrdersViewing order documents


The first 10 orders that meet the search criteria are displayed on the Order Search Result page.

4 To narrow down or expand the number of orders returned by the search, perform another Order Search, specifying different search criteria.

5 Sort the results as desired and use the Next and Previous buttons to page through the search results to find the order you are interested in.

Viewing order documents

Once you locate the order you are interested in, you can:View the report delivered for it.View the Merge Plus supplement.View the borrower disclosure attached to a Credit Report.

Viewing the report delivered for an orderYou can review the report for an order with a status of Report Delivered from either the Most recent order list or the Order Search Result page. Merged Credit orders for which reports have been delivered contain a hyperlink in the Order# column. You can use this hyperlink when you want to update the order to a Merge Plus order, as described in “Updating a Merged Credit order to Merge Plus” on page 32.

To view a delivered report

1 Select the order by clicking in the Select column.Some of the buttons below the Most recent orders list or search results may be unavailable if their function does not apply to the selected order.

2 Click Display Report.The report delivered for the order is opened in the browser window (as HTML or with Adobe Reader).

3 View, print, and save the report, as desired.

4 Click Most recent Orders to display the Home page.

Working with Existing OrdersDisplaying the Merge Plus supplement for a Merged Credit Report


Displaying the Merge Plus supplement for a Merged Credit Report

If your account is configured to receive a separate accounting of only the updated Tradelines for a Merge Plus order, you will receive this information as a supplement to the entire report returned for the order. You can review a supplement for a Merge Plus order with a status of Report Delivered from the Order Search Result page.

To view a supplement delivered for a Merge Plus order

1 Select the order by clicking in the Select column.Some of the buttons below the search results may be unavailable if their function does not apply to the selected order.

2 Click Display Supplement.The supplement is opened in the browser window (as HTML or with Adobe Reader).

3 View, print, and save the supplement, as desired.


Displaying the disclosure attached to a Credit Report

If your account is configured to receive a separate copy of the disclosure sent to the borrower as the result of generating a Credit Report, you can review this disclosure from the Order Search Result page for a Credit order with a status of Report Delivered.

To view a disclosure for a delivered Credit Report

1 Select the order by clicking in the Select column.Some of the buttons below the search results may be unavailable if their function does not apply to the selected order.

2 Click Display Disclosure.The disclosure for the report delivered for the order is opened in the browser window with Adobe Reader.

3 View, print, and save the report, as desired.


Upgrading an existing order

You can modify a Credit order in the following ways:Updating a Merged Credit order to Merge Plus

Converting a Merged Credit order to an RMCRAdding and dropping repositories for a Credit orderCancelling an RMCR or Merge Plus order

Verifying Tradelines Verifying Public Records Adding Tradelines

Working with Existing OrdersUpdating a Merged Credit order to Merge Plus


Updating a Merged Credit order to Merge Plus

You can order a Merge Plus as a supplemental report after the Merged Credit Report is returned. Merge Plus can be used to add or update Tradelines or update Public Record information. If your account is configured to do so, you will receive a supplement report containing just the information for the updated Tradelines, in addition to the complete report.

You can order a Merge Plus by updating a completed Merged Credit order from the Most recent orders list on the Home page or from the Order Search Result page.

To update a Merged Credit order to Merge Plus

1 Select the order by clicking in the Select column and click Update to Merge Plus, click the Order# hyperlink for the desired order, or display the report and click Update to Merge Plus.The order must be a Merged Credit order for your account with a status of Report Delivered.The Update to Merge Plus page for the selected order is displayed.

Along with some details about the original order, information for the Tradelines and Public Records in the Merged Credit Report is listed. The Phone Number and Email Address are filled in with those specified in your user profile.

2 Specify the details that need to be verified for each of the Tradelines, as described in “Verifying Tradelines” on page 33.

3 Specify the details that need to be verified for each of the Public Records, as described in “Verifying Public Records” on page 35.

4 Click Add Item to add a Tradeline to the Credit Report, as described in “Adding Tradelines” on page 36.



5 If necessary, change the Phone Number and Email Address to the phone number and e-mail address the production handling office should use to contact you regarding questions and notifications for the order.

6 Click Cancel to leave the Update to Merge Plus page without submitting the Merge Plus order.Or,

Click Accept to submit the Merge Plus order.A new order is generated for the Merge Plus order. If your account is configured to use the original Order number, the Merge Plus order will replace the Merged Credit order. The Merge Plus Update Confirmation page is displayed, summarizing the verification items you have requested.

7 Click Continue to return to the Home page.The new order is listed at the top of the Most recent orders list.

Verifying Tradelines

For each credit account included on the Merged Credit Report, you can view details and request the verification of the following items:

If you want to verify an item not included in this list, you can select the Miscellaneous item and enter Comments to describe what you want verified for the Tradeline.

Balance Historical StatusDate Last Activity Last Past Due DateMonths Reviewed Past Due AmountPay Pattern/Start Date RatingTerms Delete Duplicate TradeVerify Late Dates Mixed File/Disputes Ownership



To verify a Tradeline

1 Click the browse button ( ) in the Verify column for the Tradeline.The Tradeline - Details for the selected Tradeline are displayed.

2 Click in the Select column for each item that you want verified as part of the Merge Plus.

3 Enter any Comments that you would like to include regarding the selected items.

4 Click Accept to save your settings and mark the Tradeline to be verified when the Merge Plus order is submitted.The Update to Merge Plus page is displayed, and the box in the Verify column is checked for the Tradeline.

Or,

Click Clear to discard the changes you have made and start again.Or,

Click Close to discard the changes you have made and return to the Update to Merge Plus page without changing the Tradeline details.



Verifying Public Records

For each Public Record included on the Merged Credit Report, you can view details and request the verification for:

If you want to verify an item not included in this list, you can select the Miscellaneous item and enter Comments to describe what you want verified for the Public Record.

To verify a Public Record

1 Click the browse button ( ) in the Verify column for the Public Record.The Public Records - Details for the selected Public Record are displayed.

2 Click in the Select column for each item that you want verified as part of the Merge Plus.

3 Enter any Comments that you would like to include regarding the selected items.

4 Click Accept to save your settings and mark the Public Record to be verified when the Merge Plus order is submitted.The Update to Merge Plus page is displayed, and the box in the Verify column is checked for the Public Record.

Or,


Click Close to discard the changes you have made and return to the Update to Merge Plus page without changing the Public Record details.

Disputes Ownership Update Status Remove Duplicates



Adding Tradelines

You can add a Tradeline that was not included on the Merged Credit Report. There are two types of Tradelines you can add:

A credit account When you add a credit account, you must specify the Creditor name and the Account Number. A rental account When you add a rental account, you must specify the Creditor name (name of the landlord), that the creditor is a landlord, and the landlord’s Address and Phone Number. The Monthly Rent and How Long the rental has been in effect are optional.

If necessary, you can modify or delete a Tradeline you have added before you submit the Merge Plus order.

To add a Tradeline

1 Click Add at the bottom of the Update to Merge Plus page.The Add Tradeline - Details page is displayed.

2 Specify whether the Tradeline applies to the Borrower, Co-Borrower, or is a Joint account.Borrower is selected by default.

3 Enter the name of the Creditor.

4 If the creditor is not a landlord, enter the Account Number and skip to step 8.

5 If the creditor is a landlord, select the Is the Creditor a Landlord? check box.The details you can specify for a rental account are added to the page.



6 Enter the Address and Phone Number of the landlord.Enter the full address, including the street address, city, state, and zip code, using the format:421 Main St., Atlanta, GA 30318

7 If desired, fill in the Monthly Rent and How Long? (Years) boxes.

8 Enter any Comments that you would like to include regarding the new Tradeline.

9 Click Accept to save the information and add the Tradeline to be verified when the Merge Plus order is submitted.The Update to Merge Plus page is displayed, and the new Tradeline is added to the New Verification Lines list with the box in the Verify column checked. You can modify or delete the new Tradeline before you submit the Merge Plus order.

Or,


Click Close to discard the changes you have made and return to the Update to Merge Plus page without adding the Tradeline.

To modify an added Tradeline

1 Click the browse button ( ) in the Verify column for the Tradeline in the New Verification Lines list.The Add Tradeline - Details page for the selected Tradeline is displayed.

2 Modify the information as desired and click Accept.

Working with Existing OrdersConverting a Merged Credit order to an RMCR


To delete an added Tradeline

1 Click the browse button ( ) in the Verify column for the Tradeline in the New Verification Lines list.The Add Tradeline - Details page for the selected Tradeline is displayed.

2 Click Delete.You are prompted to confirm the deletion.The Update to Merge Plus page is displayed, with the Tradeline removed from the New Verification Lines list.

Converting a Merged Credit order to an RMCR

You can convert a Merged Credit Report ordered for your account to an RMCR. To do this, you must:Create a new Credit order.Select RMCR as the Product Type.Enter the remaining information for the order using exactly the same information that was used for the Merged Credit order. You must specify the same repositories, same Loan Number, a middle initial for the borrower if you specified one in the original order, and so on. If you entered Employer Information in the Merged Credit order, you must enter exactly the same information for the RMCR order. If you did not include Employer Information originally, you can enter it now (the Title, employer Name, and Phone No. are required for an RMCR).

When you submit the order, eMortgage searches through the system for a Merged Credit order from your account with the same information. If it finds such an order, it updates that order to a Product Type of Converted RMCR and assigns a Status of Pending.

Adding and dropping repositories for a Credit order

You can change which repositories are selected for a Credit order and re-order the report using the new selections. You can do this from the Order Search Result page for any Credit order with a status of Report Delivered.

To add and drop repositories and re-order a Credit Report

1 Select the order by clicking in the Select column.Some of the buttons below the search results may be disabled if their function does not apply to the selected order.

TIP You may want to print or save an electronic copy of the Merged Credit Report to make sure that you use the same information.

NOTE You cannot add or drop a repository that has an error—a repository with an asterisk (*) next to it in the Repository column of the search results.

Working with Existing OrdersCancelling an RMCR or Merge Plus order


2 Click Add/Drop.The ADD/DROP REPOSITORY page is displayed.

3 In the Selected column, clear the check box for the repositories that you want to drop and select the check box for the repositories that you want to add.

4 Click Accept to re-order the Credit Report pulling from the selected repositories.The order number is not changed. You are notified when the new report is returned (for a Merged Credit) or that the order has been submitted (for an RMCR or Merge Plus).

5 Click Continue to return to the Order Search Result page.

6 If the new selections are not indicated in the Repository column for the order, refresh your browser window.

7 Select the order and click Display Report to see the new report.

Cancelling an RMCR or Merge Plus order

The only types of eMortgage orders that you can cancel are RMCR and Merge Plus, since all other orders are completed with no human intervention. You cannot cancel the order from within the eMortgage application—you can only cancel an order by contacting your production handling office by phone or e-mail. You should be aware, however, that you may be charged a partial fee for the order if work has already started on the report.

NOTE The elapsed time displayed for this order in the Turnaround Time Report will reflect the amount of time from the original submission of the order to the return of this new report.

Working with Existing OrdersRunning reports


Running reports

There are two types of reports that you can run in eMortgage: a Billing Report and a Turnaround Time Report.

Viewing a Billing Report

For each order that meets the criteria you specify, the Billing Report shows the price and surcharge (FACTA or Colorado) information. If your account is linked to other eMortgage accounts, the Billing Report also includes orders for those other accounts that meet the criteria.

To run a Billing Report

1 Select Reports > Billing Report.The Billing Report - Search page is displayed.

2 Enter the criteria for the orders you want to include in the report and click Accept.

eMortgage shows the Billing Report for the orders that match the criteria.

An (F) after the value in the Surcharge column indicates a FACTA surcharge; a (C) indicates a Colorado surcharge.


You can select how the orders in the report will be sorted: in ascending order by order number, account number, report type, or bill date.

Working with Existing OrdersViewing a Turnaround Time Report


Viewing a Turnaround Time Report

For each order that meets the criteria you specify, the Turnaround Time Report shows the time elapsed between when the order was originally submitted and when the most recent report was returned. If the order is not yet completed, the report shows only the timestamp of the submittal.

The report shows 10 orders per page. You can use the Previous and Next buttons to page through the report.

To run a Turnaround Time Report

1 Select Reports > Turnaround Time Report.The Turnaround Time Report - Search page is displayed.

2 Enter the criteria for the orders you want to include in the report and click Search.

The Turnaround Time Report - Results page shows the report for the orders that match the criteria.


NOTE The Merged Credit order circled in the illustration above is the order we used to illustrate the Add/Drop Repositories features. This Elapsed Time represents the time between when the order was originally submitted and when the new report with the different repository selections was returned.

Working with Existing OrdersViewing a Turnaround Time Report



4Administration and Maintenance

In addition to ordering products and monitoring these orders, you can also perform some administration and maintenance tasks, including:

Updating your user profileChanging your password

Updating your user profile

When you log on to eMortgage as a Normal or Supervisor user, you can update your user profile. You can change all of your user details, except for your user ID and your name. If a your legal name changes for any reason (for example, due to a marriage or divorce), a Supervisor user must change your name within the eMortgage system.

You can change how eMortgage displays the Most recent orders list on the eMortgage Home page. The value in the Recent Order Days box is the number of days of orders that eMortgage should consider as recent. The value in the Total Recent Orders box is the total number of recent orders eMortgage should display. For example, if these values are set to 30 days and 10 orders, the Most recent orders list will include the last 10 orders placed in the last 30 days. You can use the Order Search feature to see more or older orders or change these values in your user profile.

To update your user profile

1 Select Tools > User Profile.The User Profile page is displayed.

Administration and MaintenanceChanging your password


2 Modify the information, as desired, and click Accept to save the changes and return to the Home page. Or,

Click Reset to discard the changes you have entered and return to the last saved version of the profile so that you can begin again. Or,

Click Cancel to discard the changes you have entered and return to the Home page.

Changing your password

When you log on to eMortgage with a password generated by the system (the first time or when your account supervisor resets your password), you must change your password. You must also change your password when it expires (after 90 days). You may want to change your password even more often to maintain the security of the data in the eMortgage system.

In conjunction with changing your password, eMortgage requires you to select a hint question and specify an answer for that question. In the event that you forget your password, eMortgage will prompt you with the question selected for your user ID. When you enter the answer you specified for the question, eMortgage sends your password to the e-mail address specified in your user profile. If you do not remember the correct answer to the question, your account supervisor can reset your password for you.

eMortgage passwords must adhere to a strong password composition policy to maintain the integrity of the data in the system. Passwords must meet the following requirements:

Passwords can contain a minimum of 8 and a maximum of 30 characters. Passwords must contain at least one number, at least one letter, and at least one special character. A special character is any non-alphanumeric character on the keyboard including, but not limited to, /, !, @, $, %, &, *, +, and ?. Passwords are case-sensitive. Make sure that the Caps Lock key is not on while specifying a password.Passwords expire every 90 days. The application forces you to change your password when it expires. You will be notified (on the Home page) that your password is going to expire starting 10 days before the expiration date.A new password must be different than the previous password.

To change your password

1 Log on to eMortgage.If you log on using a password set by your account supervisor, you are automatically taken to the Change Password page and can skip to step 3.



2 Select Tools > Change Password.The Change Password page is displayed.

3 Enter your Old Password.The Password is masked as you type for security purposes.

4 Enter the new password you want to set in both the New Password and Confirm Password boxes.Again, the Password is masked as you type. You must retype it to confirm that you entered it correctly.

5 Select a Password Hint Question.The choices available in the list include:

6 In the Password Hint Answer box, enter the answer to the selected question.Note the spelling and capitalization you use in the answer, as this is important when you are prompted with the question if you forget your password.

7 Click Accept to save the changes and return to the Home page. Or,

Click Clear to discard any changes you have entered so that you can begin again. Or,

Click Close to discard the changes you have entered and return to the Home page.




5Account Supervisor Tasks

There are certain eMortgage tasks that you can only complete as a Supervisor user. These tasks include:

Creating a user (both normal account users and additional Supervisor users)Updating a user profile Deactivating a user (when they do not require access to the eMortgage system temporarily)Resetting a user’s passwordDeleting a user (when they should no longer have access to the eMortgage system)

About user accounts

As a Supervisor user, you can create and modify users for your account.

Users in eMortgage must have:An Account Number, which may limit the types of products the user can order.A user ID or username, which the user will use to log on to eMortgage. A name, which is used to trace the user to a physical person and which will identify the user within the application and in reports.A password, which the user will also use to log on.

SEE ALSO Tasks that can be performed by a Supervisor or a normal account user are described in Chapter 3, Working with Existing Orders, and Chapter 4, Administration and Maintenance.

NOTE Although your account may be linked to other eMortgage accounts, you can only create and maintain users within your account.

NOTE If your account is linked to other accounts, as either the parent or cousin of other accounts (rather than as the child), you can create and modify users for those accounts also.

Account Supervisor TasksMaintaining eMortgage users


About user IDs

Because the user ID is used to log on to eMortgage, it must be unique within the eMortgage system, not just within your account. User IDs must contain between 6 and 20 letters and numbers—they cannot contain special characters, such as ! or *. In fact, eMortgage will only allow you to type letters and numbers into the User ID field. As you type, the text is forced to uppercase, so you do not need to worry about the case of the letters you enter.

Because of the restriction that user IDs must be unique within eMortgage, you might add initials, use a shortened form of a name, or use some other naming convention to ensure uniqueness. The system will inform you if you select a user ID that is already in the system so that you can modify it before creating the user. You can make the user ID TONYRIVERS unique by making it ANTHONYRIVERS. Since the user’s name (last, first) is used to identify them within the application, if both Tony Rivers are in your account, you should make sure that you can differentiate between them.

About names

The name associated with a user is broken down into First Name and Last Name. The name is used to identify the user as the one who submitted an order (Last, First). The name should also identify the person that uses the account. This is for legal, auditing purposes, where a person’s name in the system must be traceable to the physical person. Therefore, if a user’s legal name changes for any reason (for example, due to a marriage or divorce), you must change their name within the eMortgage system.

About passwords

When you create a user or reset a user’s password, the eMortgage system generates a password for the user. You must write down the password to give to the user to use when they log on to eMortgage. No one can set a specific password for a user, except that user, as described in “Changing your password” on page 44.

Maintaining eMortgage users

A Supervisor user can:Create account users to perform eMortgage tasks for the account or linked accounts.Modify the profile or reset the password of a user.Deactivate or delete a user when they should no longer have access to the eMortgage system.

CAUTION You can only change a user ID after you create the user by deleting the user and starting over, so ensure that it is correct and adequate.

NOTE Users cannot change their own names when updating their user profiles—only a Supervisor user can change a user’s name in the system.

Account Supervisor TasksCreating a user


Creating a user

A Supervisor user can create other users to perform other eMortgage tasks for the account or linked accounts. When you create a user, you must specify:

A user ID.The user’s name.The user’s e-mail address.The user’s phone number. Whether the user is a Normal account user (default) or a Supervisor.Whether the user is Active (default) or Inactive.

You also specify information for the most recent orders that will appear on the eMortgage Home page when the user logs on. You must specify:

The number of days of orders that eMortgage should consider as recent. The total number of recent orders eMortgage should display. These values default to 30 days and 10 orders, which means that, when the user logs on, the Most recent orders list will include the last 10 orders placed in the last 30 days for your account. Users can change these values themselves by updating their own user profiles.

Finally, you can select what eMortgage tasks the user has permission to perform.

For a Normal account user, you can select:Which products the user can order.

Whether the user can run the management reports (Billing Report and Turnaround Time Report).

For a Supervisor user, you can select:Whether the user can run the management reports (Billing Report and Turnaround Time Report).Whether the user can create and maintain other account users. By default, the Supervisor user created when the account is registered has permission to perform user maintenance tasks for the account.

To create an eMortgage user

1 Select Tools > User Maintenance.The User Maintenance page is displayed.

NOTE Your production handling office configures which products can be ordered within your account. You specify which products a Normal user can order.



2 Click New User.The User Profile page is displayed.

Note that required fields are indicated by a red asterisk (*). If the account is not set up to order certain products, those products are unavailable (you cannot select them, as those circled in the illustration) in the Permissions area.

3 If available, select the Account Number for the new user.If you are logged on as a Supervisor user for an account that is linked to other accounts as a parent or cousin of those accounts, you must select an Account Number for the new user from the list of all linked accounts.If your account is a child account or is not linked to other accounts, your Account Number is simply displayed on the page.

4 Enter the information for the user.

The User ID is the username the user will use to log on to the eMortgage system and is used to identify the user within eMortgage. The ID will be forced to uppercase as you type.

The First Name, Last Name, Email Address, and Telephone # should be those of the person logging on as this user.

SEE ALSO See “About user IDs” on page 48 and “About names” on page 48 for information you should be aware of when creating the User ID and specifying the First Name and Last Name for the user.

CAUTION You cannot change the User ID after you create the user, so ensure that it is correct and adequate.



5 In the Recent Order Days box, enter the number of days of orders to include in the Most recent orders list for the user.This is set to 30 days by default. You can set a value from 1 to 90 days.

6 In the Total Recent Orders box, enter the total number of orders to display in the Most recent orders list.This is set to 10 by default. You can set a value from 1 to 999 orders. Keep in mind that the entire Most recent orders list is displayed on a single page when setting a value.

7 If you are creating a Supervisor user, select Supervisor in the User Type list.

8 If you do not want the user to be able to log on to eMortgage immediately, select Inactive in the User Status list.

9 In the Permissions area, select the eMortgage tasks that you want the user to be able to perform.The tasks available for you to select vary based on the User Type selected—the ability to order products and update orders is not available to Supervisor users; the ability to create and maintain other user accounts is not available to Normal users.

10 Click Accept to create the user.You are notified of any errors in the data you have entered. If there are no errors, the user is created, and the password generated for the user is displayed.

Or,

Click Reset to clear all of the data you have entered on the page so that you can begin again. Or,

Click Close to discard any data you have entered and return to the User Maintenance page without adding a new user.

11 Record the generated password and click OK to return to the User Maintenance page.The user must have the user ID you specified and this password to log on to eMortgage. The user will be prompted to change their password the first time they log on.

NOTE If you do not select Search Reports in the Permissions area, the user will only see the orders in the Most recent orders list.

NOTE There is no way for you to retrieve this password if you do not record it. If you forget to record the password of lose it, you can reset the password for the user, as described in “Resetting a user’s password” on page 53.

Account Supervisor TasksUpdating a user profile


Updating a user profileYou can update a user profile to change any of the information, except for the user ID.

To update a user


All users defined for your account are listed in alphabetical order by User ID.

2 Select the user you want to update by clicking in the Select column.3 Click Update.

The User Profile page is displayed for the selected user.

4 Modify the information, as desired, and click Accept to save the changes and return to the User Maintenance page. Or,

Click Reset to discard the changes you have entered and return to the last saved version of the profile so that you can begin again. Or,

Click Cancel to discard the changes you have entered and return to the User Maintenance page.

NOTE Although your own user is listed, you cannot update your profile from this page. You must use the User Profile feature.

Account Supervisor TasksResetting a user’s password


Deactivating a user

If a user does not need access to eMortgage for a period of time, you can mark their user account as Inactive. For example, if someone is on a leave of absence, you should deactivate the user so that no one else can use it. If the person should not have access to eMortgage ever again for your account, you should delete the user, as described in “Deleting a user” on page 54.

You can deactivate a user by updating the user profile and changing the User Status to Inactive.

Resetting a user’s password

If a user forgets their password and cannot retrieve it using the hint question, you can reset the password for them. Resetting a password causes eMortgage to generate a new password for the user. You cannot set a specific password for a different user—users can only set a specific password for themselves.

As with when you create a user, you should record the password generated by the system to give to the user.

To reset a user’s password

1 Select Tools > User Maintenance.The User Maintenance page is displayed.All users defined for your account are listed in alphabetical order by User ID.

2 Select the user you want to update by clicking in the Select column.

NOTE Although your own user is listed, you cannot reset your own password. You should use the Change Password feature.

Account Supervisor TasksDeleting a user


3 Click Reset Password.The password generated for the user is displayed.

4 Record the generated password and click OK to return to the User Maintenance page.The user will be prompted to change their password the next time they log on.

Deleting a user

If a person should never again have access to eMortgage for your account, you should delete the user. For example, if a person leaves your company, you should delete their user account so that no one can use it.

To delete an eMortgage user


All users defined for your account are listed in alphabetical order by User ID.

2 Select the user you want to delete by clicking in the Select column.

3 Click Delete.You are prompted to confirm the deletion.The user is removed from eMortgage, and you are returned to the User Maintenance page.

NOTE Although your own user is listed, you cannot delete your own user.


Glossary

A

Account number The number registered for an eMortgage account. Accounts can be linked in a parent/child or cousin/cousin relationship. Users of a parent or cousin account can search for orders in linked accounts and view orders for linked accounts in the Management Reports. Supervisor users of a parent or cousin account can create users for linked accounts.

B

Bureau A credit-reporting agency (also called a Repository) from which you can order a Credit Report. The three Bureaus available for use with eMortgage include Equifax (EFX), Experian (XPN), and Trans Union (TU).

Bureaus Pulled Order Status indicating that the Bureaus have been pulled, but the report was not generated.

C

Cancelled Order Status indicating that the order has been cancelled.

Converted RMCR An RMCR order where a Merged Credit Report was generated first.

E

EFX Equifax; one of the credit reporting bureaus.

EMS Equifax Mortgage Services; the provider and administrator of the eMortgage application.

Entered Order Status indicating that data has been entered for the order, but the order has not been submitted.

GlossaryMerge Plus – Product Type


M

Merge Plus An Edited Credit*Hi-Lite Report, where Tradelines and Public Record information has been updated.

Merged Credit A Credit*Hi-Lite Report, where the applicant’s credit is pulled from some combination of the three credit reporting bureaus and merged into a single report.

N

Not Delivered Order Status indicating that the bureaus were pulled, but no attempt was made to deliver the report.

O

order The request for a product within eMortgage, along with the product (Report, Supplement, and/or Disclosure).

Order number The ID assigned to the order when the Product is ordered. The Order number is automatically generated by the eMortgage system.

Order Status The current state of the order, indicated by words or an abbreviation in the application. Possible Order Statuses include Bureaus Pulled, Cancelled, Entered, Not Delivered, Pending, Report Delivered, and Waiting on Bureaus.

P

Pending Order Status indicating that the RMCR or Merge Plus is in process of investigation. This means that the requested updates are not complete. You should not print or make decisions regarding the Loan when the status is Pending.

product Individual report of a specific type, such as a Merged Credit Report, a Flood Certificate, or Home Value Explorer (HVE) Report.

Product Type The type of product that can be ordered. The possible Product Types include Credit Report, Flood Certificate, HVE, HVC, and Basis 100.

GlossaryReport – XPN


R

Report A document attached to an order that represents a completed Product ordered.

Report Delivered Order Status indicating that the Report ordered has been delivered.

Repository Another term for Bureau.

Repository Override

A setting on a Credit Report order that specifies that a specific combination of credit Bureaus (or Repositories) should be used to generate a Merged Credit Report, rather than the default configured for the Account.

RMCR Residential Mortgage Credit Report.

S

Status See Order Status.

T

Tradelines The credit accounts for the applicant and co-applicant.

TU Trans Union; one of the credit reporting bureaus.

W

Waiting on Bureaus Order Status indicating that the order is waiting for action from a Bureau.

X

XPN Experian; one of the credit reporting bureaus.

GlossaryXPN – XPN


Documents

eMortgage Users Guide€¦ · 09/11/2005 · To help you find important information, this documentation uses the following conventions: Alternate actions in procedure steps In the