| 摘要 |
A computer implemented method and system which provides current, reliable and accurate personal information regarding a prospective borrower and/or co-borrower. The system includes a central server which receives requests for personal information relating to proposed borrowers, which in turn parses out similar requests relating to that borrower to information sources such as, among others, the Internal Revenue Service, the Social Security Administration, the Daily Banking System and the pertinent credit bureaus. Information corresponding to the respective requests is retrieved from the information sources, and then compiled into a report format and forwarded to the requested party. The requested party may be the borrower/consumer individually, or may be a mortgage broker/agent, lending institution or other party authorized to request and obtain the information. An electronic signature or signatures accompany the request to the central server, which uses same to retrieve personal information data pertaining to the signatory(ies). Various encryption schemes may be employed for security purposes. The invention permits for the retrieval, compilation and reporting of relevant, personal data to a party or parties involved in the loan decision making process without any opportunity for the information to be tampered with by the proposed borrower(s) because the information is obtained electronically and directly from the information depositories.
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