XpertOnline, XOP Release Information for
Friday Morning, June 28th, 2019

Credit Report Advertising Now Available

XpertOnline and XOP enhancements are coming later this week.  Starting Friday morning, June 28th, 2019, a new version of XOP will be ready for you to install, and the client side of XpertOnline will be enhanced with the items listed here.  We are pleased to officially release the ability for you to run ads to your clients on your credit reports!

Other enhancements include a more accessible Combined Invoice feature, a new look to the Checkup and Public Records buttons on the credit report, and lots more.  Read on for detail.
Get Your Products & Services More Exposure with Ad Space on Credit Reports
It’s here: the ability to place ads for your products and services on your credit reports! Placing ads on your credit reports gives you the ability to target advertisements to your clients in a focused manner and location they can’t miss. Your clients spend a lot of time reviewing credit reports, and they will see your ads repeatedly. Running ads in a consistent manner with a consistent message will enable you to drive more sales and increase your bottom line.

Side note: why not sell ad space to other vendors and earn revenue from them?  Local Realtors, home inspectors, Appraisers, and other mortgage and non-mortgage related businesses all have products and services that they want to sell to your clients.

Getting StartedPromotions & Discounts
We are offering two promotions to help you get started.

Design Promo
For a limited time, we are offering free design assistance for your ads.  If you would like us to design some or all of your ads, just reach out to Bryan Sawyer and let us know.  Design promo details:
  • Send us your logos and images, your tag lines/slogans and target URLs, and we will put ads together for you that you can approve.
  • Offer good until August 1st, 2019.
Pricing Discount Promo – Run a Verisite Ad and Advertise for Less!
Want to run ads and get a price discount? Run a Verisite ad on your credit report and get a pricing discount.

When you use the 3 small ads offer, if one of your ads is a Verisite ad which links to the Verisite web site, you only pay for 1 of the 3 ads! 
  • This offer is good until September 1st, 2019.

Other Enhancements Include...

XpertOnline’s New Minimum-Score Decision Engine Reduces Unnecessary Client Costs
How about a version of XpertOnline that learns behavior based on a consumer’s returned bureau score – and helps you provide a service to your clients to curb unnecessary costs? Your clients know what score thresholds they need for their loan products to move forward. If a consumer score is too low, it’s likely that the consumer won’t qualify for loan products, and your clients don’t want to accrue extra costs.

To reduce accruing unnecessary costs on low-score reports – and to help you make your clients happy – XpertOnline now makes a decision based on a user-entered minimum score. If the returned consumer score is below that threshold, XpertOnline will suppress any links to additional services and features that may accrue additional client charges, such as CreditXpert, supplement requests, product upgrades.

How to use this feature
The Minimum Score feature is set at your client’s user level within XOP. Login to XOP, then go to the Setup | Clients menu option, and search for a client you want to enable a Min Score for.  Once you find the client, click the Users button to view the client users list, find the particular user you want to update, and move to the Detail tab.  Find the Min Score field, and enter the minimum score that is required for borrowers/co-borrowers to qualify for loan products, and click Save.


On save, whenever this user orders a credit report, all subsequent borrower and co-borrower score values returned from the bureaus will run through the Min Score decision engine.  If any of the bureau scores – either borrower or co-borrower scores – are below the Min Score threshold, all additional features and services that will incur additional costs for the credit request will be unavailable from the client side screens.  This includes rapid rescores, CreditXpert, supplements, upgrades, etc.
 
Client Side Enhancements Provide Easy User Administration Across Child Clients
Client users that are setup with Child Administrator rights have a new search capability available to them that helps with user access and administration. Child Admins can run searches across all child clients setup under the parent client. This will be helpful in branch situations when the parent client’s Child Admin user wants to add a user to a child branch, remove a user from a branch, reset logon tries, modify user rights, and other user management functions.

How to use this feature
Login to the client side of XpertOnline as a Child Administrator user type. Go to the Admin tab, and move to the Manage Users tab.  If the Child Admin user is setup under a client company that is a parent client, they will see a new Search all branches by username field. Child Admin users can enter a user to search for across all branches regardless of the branch that is selected in the Branches drop down. This is to make it easier to find the user they are looking for in less clicks. Note that users can only search for the User ID/username value that the used to login to XpertOnline in this field (not the user’s first name or last name).

Ability to Access Combined Invoice from Credit Report
The Combined Invoice feature that your clients use to include related orders on an invoice is now available from the PDF credit report deliverable. This will make it easier for your clients to access the Combined Invoice securely from their LOS without having to browse to the XpertOnline web site to use it.

How to use this feature:
To begin offering the Combined Invoice link on your credit reports, you can update your PDF Lender Report’s output addons to enable the Show Link to Print Combined Invoice addon. 
  • For product lists, find the client whose product you want to update, move to the Setup tab, and click Lookup Product List. Once your product list opens, click the product you want to update, and click the Product Detail button.  On the Product Detail screen, in the Outputs section, click the PDF Lender Report output, and click the Addons button. In the Addons list, find the Show Link to Print Combined Invoice output addon, and set it to Selected. 
  • For checkbox products, find the client whose product you want to update, move to the Setup tab, and scroll down to view the Product Options section.  Find the Profile/Outputs section, and click the ellipses button next to either the Infile or RMCR option.  In the Profiles screen, click the Modify button, find the Outputs section, and first make sure that the Preferred Format is set to PDF.  Then, at bottom right, click the View All button, find the Show Link to Print Combined Invoice output addon, and check the checkbox to enable it.  Save your changes.
If you have the Print Combined Invoice feature enabled today, there is nothing more you need to do to offer this out.  The new button will automatically display on your PDF Lender Report outputs.  When your client users click the Combined Invoice button, they will be prompted to login with their XpertOnline credentials.  On successful login, they will be shown the Combined Invoice screen with the borrower information pre-populated.  Users can search and create invoices as need.
 
New Look to Buttons on Credit Report
To make the buttons stand out more on the credit report, we have updated them to attract more clicks. All buttons may or may not appear on the credit report based on what you have enabled for output addons. For example, if you’re not offering the Public Records connection, those links will not display. However, most of you have the Website button and are offering the Checkup tool, so these will display as shown. No matter how many options you offer on your credit reports, the buttons will automatically center-justify.


Additionally, we will be removing the link to the Pulse product.

How to use this feature:
There is nothing you need to do – the new look and feel to the buttons will be available to your clients automatically.
Public Records Response from Bureaus Updated
It’s now easier for your clients to identify when the bureaus have no public records on file. With this release, your XpertOnline credit reports will now display the verbiage “No Public Records Returned from Requested Bureau(s).”

How to use this feature
There’s nothing you need to do to enable this. It will be turned on by default.