Yes. CLR Path uses soft pull credit scores when evaluating a member on the credit score criterium.

Yes. You can pull a credit report for any service using the online credit bureau process. Using Tool #53 Process Member Applications, use action code CR to pull the report without creating a loan request and application. We can then create Member Services denial notices for debit cards, checking accounts, ATM cards, etc.

Use the CU*BASE Report Builder (Tool #100) to create a Query of the credit bureau report summary file CRBSUM . The employee ID can be found in the CREMPID field within that file. You can also find out who pulled the most recent credit report via Tool #53 Process Member Applications, Action Code LC (Open End Loan Contract / Risk-Based Credit Score Info).

Self Processors can access OPER #10 > #7 and view the default credit bureau. Online credit unions should contact Client Services for this information. Information on any additional credit bureaus that the credit union has access to pull credit reports from is held in our Integration Database and not in CU*BASE.

The NSF Statistics Dashboard (Tool #557) will track this information for you automatically. It is separated into the NSF category and the Courtesy Pay Category. Credit unions are using this dashboard to help predict averages of NSF/Courtesy Pay fee income and also to track how many members may be using the service. You can click on any of the origins (listed in blue text) and you can drill further to members who had more than X transactions in a specific month. There are a lot of graphical oppor  More...

If you pull credit reports using the CU*BASE online credit bureau access system, credit report data is stored online and can therefore be mined for opportunities. There are a couple of ways you can find this information: Use Tool #976 Where Your Members Borrow This tool pulls trade line data from stored credit report files, showing other financial institutions with whom your members do business. This tool lets you make a direct comparison between your credit union and a competitive FI. F  More...

Complete the Online Credit Bureau Access Setup Form and fax it to LenderVP at 616-285-0825. Here is a link to the form: http://cuanswers.com/pdf/cb_ref/C-CreditBureauSetupForm1.pdf

Yes. Use Tool #357 “Employee Security Audit Report.

Remember that the delinquency monitoring system populates the delinquent Months and Days fields, changing these values whenever payments are made or other activity causes the due date to adjust on the loan account. By contrast, the Actual # of days delinquent value is not stored on the loan account, but rather calculated on the fly by specific reports or screen dashboards, using the current date and the next payment due date on the loan account to determine an actual # of days. Since loan  More...

You will need to manually update the rate because the score that is automaically pulled into the loan calculation screen will belong to the primary member.

The Closed Account Report and the Closed Membership Report have two versions. LCLACE and LCLMBE are the daily reports that run at EOD. These reports show closed accounts and closed memberships for a single day. LCLAC and LCLMB are the reports that are run from the CU*BASE menu and via Report Automation, and these show closed accounts and closed memberships for a given month.

When you use the filter buttons on the File Maintenance Inquiry dashboard (Tool #159: Audit File Maintenance Inquiry (CUFMNT)), indicators note which programs, fields/columns, and files/tables AuditLink has flagged as “critical” for auditing teams to monitor on a daily basis. You can quickly sort by that indicator and select only those items for a quick scan of maintenance that directly affects member accounts. Below is a listing of these critical items. Columns/Fields Field Why   More...

Yes, by making use of both a Misc. Receipts and a Misc. Expense posting code, so that you can put the funds temporarily into a G/L then issue a check from that same G/L. Here are the key steps: First, configure two posting codes, using Tool # 534 Misc. Posting Codes Configuration. For the first one, choose the Receipts type and set up a code that will allow you to place funds into a G/L account. For the second one, choose the Expenses/Advances type and set up a code that will allow you to  More...

This typically happens when a credit report is returned from the bureau as 'fragmented.' A fragmented credit report is one that may contain more than one person's credit information. This may happen with twins, Jr./Sr. situations, etc. Another way this may happen is sometimes Creditors do not furnish a SSN when they report to the Credit Bureau and a trade item may be applied to all accounts with that name, address, etc. When the credit report is returned as fragmented, you will  More...

The dormancy tool does not do this, although it is possible to create automated transfer (AFT) records to move funds from member accounts according to whatever policies and procedures your credit union wants to use. Keep in mind that our dormany and escheat monitoring system works at the entire membership level, not individual accounts (in other words, it's about membership dormancy, not account inactivity). Likewise, when the system uses your escheat settings to flag an account as escheat  More...

When the report is pulled from month-end totals the count is different when you query the MEMBER6 file due to review dates. If the review date of the loan has been reached the report will ignore the loan total due to the member no longer being able to draw on the available funds. This is controlled at the loan category definition level with the Use review date for disbursements flag being checked.

Only a Full Pull will populate the credit information into this form. In order to see if the credit score came in via a Soft Pull or a Full Pull, you can use either of the tools listed below: Using Tool #319 Credit Score History Dashboard , enter in the date range for when the credit report was pulled and use enter. On the resulting screen the Method column will show either Soft Pull or Full Pull for each of the scores found in the history. This dashboard analyzes scores across all your memb  More...

CU*Answers does not report business loans to the consumer bureaus, nor pull from or report to commercial bureaus. We only report and pull for consumer loans.

Paper Grade lets you set up more than one set of score ranges and rates, each for a different grade. Since you do not receive a paper grade from your credit bureau, just leave that field blank in the loan category amortization defaults and just enter one set of score ranges and rates. This will allow the rates to be automatically pulled into the loan request based on credit score only. configuration

When a credit union statuses a member's card as 'HOT' or warm (Lost/Stolen/Fraud/Restricted), this information is transmitted immediately to your vendor to stop any further withdrawals/purchases being performed with that particular card. But at your vendor a 'Hot Card' is not considered to be a closed card. When your member's card remains at a HOT or Warm card status on CU*BASE, CU*BASE is still required to send any maintenance updates such as address change, phone numbe  More...

In one of three ways: Note: The term 'subscriber' refers to your 'member'. Electronic Payments (ACH) - Fiserv's preference is to send all payments electronically. However in the Risk Model format it is not always feasible. Fiserv submits the merchant payment (via the fed) from a Fiserv settlement account the same day we submit the debit (via the fed) to the subscriber account. Fiserv is taking the risk on the payment. Electronic payments are typically sent when the subscr  More...

The information sent to the bureau was not an exact match, but based on the information provided (including name, address, DOB, etc.), the bureau returned a match to the correct SSN. CU*BASE is set up to pull a credit report for applications that are sent from online banking based on the applicant's consent to have their credit pulled within the application. There is not a way for the SSN to be verified as correct or not at the time of the application, but the credit bureau is able to do fur  More...

For things like expanded balance and transaction $ amounts, Query will automatically adapt to larger amounts, and you generally won’t need to do anything. (The only exception is if you send the output to a vendor, they’ll need to be made aware of the larger amounts. Or perhaps if your report is completely full side to side and you need to remove a column in order for everything to still fit across a printed page.) As far as dates, if a date was formerly 3 separate fields for year  More...

Yes, If you are a CU*BASE client and your check processing is handled by the Check Item Processing team, you can offer your members the ability to print copies of cancelled checks using Online Banking and the CheckViewer. If your credit union chooses to activate this feature, the member simply clicks a button from either the checks cleared screen or the account detail transaction listing, to pull that specific check. We also offer interfaces to check images from many other item processing vendor  More...

Launch tool # 990 Work with AP Vendors to print out envelopes addressed to your vendors, either one at a time or in a batch of consecutive vendor #s. Once in the tool you can page down until you find the last vendor number you have on record (jot this vendor # down). Then, highlight and use the select key to go into any vendor record. Here, you can use option F23-Print Envelope. This will take you to the Print AP Vendor Name / Address on Envelope screen, where you can enter a vendor # range fo  More...