Follow these preliminary steps to setup products and clients for access to Trans Chicago/Freddie Mac via the XpertOnline Provider software. Once these steps are complete, you need to be sure that you are on Trans Chicago file format version 2.1 in order to use XpertOnline for this connection. Have TC turn on your end user codes for v2.1.

 

Important Note: you cannot have a Subscriber/Client setup on both the Xpert 2 system and XOP. If you migrate to XpertOnline Provider for TC/Freddie Mac, you must remove the Subscriber/Client from the Xpert 2 system or else you client will not receive reports in XOP.


Product Setup

This section assumes that you have already setup your access codes at Trans Chicago

 

After a successful login to XpertOnline Provider, select on the Setup | Product Lists menu option.  


When the Product Lists page opens, you will be prompted with an Exact Search window. If you wish to modify or copy an existing product and know its name, type it into this field and click OK. If you wish to create a brand new TC product, click the Cancel button on the Exact Search prompt.


If you need to copy an existing TC product, the product that you make a copy of will copy completely.

 

If you need to create a brand new TC product, you will see a list of product lists on the left side of the screen (after you have OK'd the Exact Search prompt).  In this area—called the tree structure—find the product list that you need to create a TC/FMAC product for and single-click on it so that it is selected.

 

Once you are sure that the proper product list is selected, in the Actions section, click the New button and choose Product.  

 

This will create a series of blank fields that need to be populated with certain values, depending on the type of TC/FMAC product you are going to create.

 

 

Unsolicited Product Setup

An unsolicited TC request is originated through Freddie Mac’s LP (Loan Prospector) software—not from XOP. That is why they are called “Unsolicited” requests—because they are originated and billed (solicited) through LP (and not through XOP). Please see the page that follows for a graphical display—note that this product must be named TFUNSOL, as this is the required Description for the Trans Chicago Unsolicited product. Please note that the only way to pull a Freddie Mac file is through Loan Prospector.


 

When you see the blank fields after clicking the New | Product button, fill out these fields exactly as described here. An incorrectly setup TC Unsolicited product can result in not receiving the requests in XOP.

  • Description: type TFUNSOL (in all caps) here. This is the name of your unsolicited product. This name must be spelled correctly and must be input in all capital letters.
  • Category: input a product category for this new entry. This field is for management report purposes. There are no restrictions for this field—for example, you may type in ‘Freddie Mac’ or ‘Trans Chicago.’
  • Priority—if your unsolicited requests will need work (write outs/verifications, manual updates) and the client that will order this product needs the request “rushed” back to them, you can set the priority level to Gold or Silver.  The Gold or Silver setting indicates that this request needs manual attention first, over other, non-prioritized requests.   The Standard priority level—which is the default—indicates that this request does not take priority over any other requests.  If you are unsure about using this feature, take the default setting of Standard.
  • User Interface—you do not need to pay attention to this field for the TFUNSOL product.
  • Preferred Access Order—you do not need to pay attention to this field for the TFUNSOL product.
  • Product Level—you do not need to pay attention to this field for the TFUNSOL product.
  • Available to Client—uncheck this checkbox. Your Subscribers/Clients will not need to have this product available to them through XOP/XpertOnline.net as the request will originate and come back into LP.
  • Price (Individual & Joint): since your clients are billed directly by Freddie Mac for all reports pulled via Loan Prospector, you will want to enter 0.00 (zero).
  • Tax (Individual & Joint): since your clients are billed directly by Freddie Mac for all reports pulled via Loan Prospector, you will want to enter 0.00 (zero).
  • Options (button)—you will not need to edit any of the options for Freddie Mac products. Since all reports are pulled via Loan Prospector, there are no reissues when using Freddie Mac. Also, since your clients are billed directly by Freddie Mac for all reports pulled via Loan Prospector, you do not need to a price for Reprints. You should leave the price as “zero.” You may set prices on an of the other billing options (i.e. Web, Phone, or Fax) if you wish. Important Note: remember that there are no Reissues through Freddie Mac—only Reprints.  
  • Product Detail (button)—click this button to begin adding accesses, services, and outputs to this product.

 

Once you have the above fields input, click the Save button. When the product is saved, click the Product Detail… button to continue. This opens the main Product Detail screen, shown here.

 

 

When the Product (main Product Detail) screen opens, the product list name will be at top left of this screen. Below the product list name will be the name of the product you just created—TFUNSOL—and below this, there will be an Accesses listing, a Services listing, and an Outputs listing. You first need to add the appropriate Accesses to this product, followed by Services, and then Outputs. This process is described below.


Accesses 

Select on the Accesses listing here—just below the TFUNSOL product name entry—to add the Trans Chicago/Freddie Mac access.  A green ball will appear to the left of the selected item.

 

When you select on the Accesses listing, a tab will open in the middle of the screen that says System to System Accesses. In this tab, find the access listing that is called Trans Chicago FMAC v2.1 Credit Report and right-click on it. Note: It is not necessary to create or use a Trans Chicago Access code.

 

 

When you right-click the Trans Chicago FMAC v2.1 Credit Report access, choose the Selected option so that this access will be enabled on this product.  

 

Once you do this, the Selected column of the System to System Accesses tab will read as Selected.  When the Trans Chicago FMAC v2.1 Credit Report is Selected, double-click on this access to add the proper bureaus and scores (see following page for corresponding graphic).

 

 

Note: It is not necessary to align an access code to the access from the Access Detail tab as your access code should have been enabled at Trans Chicago.

  • Description—take the default here.  This is the name of this access.
  • Selected—make sure that the Selected fields reads as Selected.  This indicates that the Trans Chicago FMAC v2.1 Credit Report access is enabled.  
  • Access Code—leave this field blank.  TC takes care of the access code.
  • Price/Tax—make sure that this amount is “zero.”  You cannot reaccess a TC report to get new information.
  • Addons… (button)—click this button to add your bureaus and scores to this access.

 

When you click the Addons… button, the tab shown here opens—this is the Access Addons tab.

 


  • EFX—right-click and choose the Selected option.
  • EFX with Score—right-click and choose the Selected option.
  • TU—right-click and choose the Selected option.
  • TU with Score—right-click and choose the Selected option.
  • XPN—right-click and choose the Selected option.
  • XPN with Score—right-click and choose the Selected option.

 

When you are finished, each bureau/bureau with score listed here should be Selected. This will sufficiently match your product selection in the LP software when you first order the request.

 

 

As you may have noticed, the left-hand side of your screen changed with each addition of accesses and accesses/addons to this product, and the green ball moved with your selections of each additional option. The left-hand side of this screen—also called the tree structure of the Product Detail screen—allows you to move back out of each section of the middle tabs. Click the text in the tree structure to move where you want.

 

When you have added the Trans Chicago FMAC v2.1 Credit Report access, along with all of the bureaus/bureaus with scores, to the TFUNSOL product, click Save from the Actions section. When the save is complete, move on to adding Services to your TFUNSOL product.


Services 

To begin, click on the Services entry in the tree structure.  There is only one required service for this product—the Import service, found in the Merge Services section of the Services tab.

 

 

Right-click on the Import service and choose the Selected option from the menu.

 

 

Once the Import service is Selected (Selected column on Services tab reads Selected), you may add any other Additional Services that you like to this product. The Additional services section is below the Merge Services section on the Services tab.

 

Important Note—adding any Additional services may change certain account values. This can make the report that appears in XOP differ from the report that was actually used during the Freddie Mac determination. If you align any Additional services to this TFUNSOL product, you must keep in mind that Additional services act on the returned bureau information. If you think that adding Additional services to your TFUNSOL product may affect the final report, we recommend that you only add the Import service to this product.

 

Once any/all services are added to the TFUNSOL product, click the Save button in the Actions section of this screen.  When the save is complete, move on to adding the Outputs to the TFUNSOL product.


Outputs

Remember: unsolicited requests that your Subscribers/Clients originate in LP (Loan Prospector) always return a report back into LP. Since this is the case for unsolicited requests, your client  most likely will not want two copies of the report they order. If this is the case, we recommend that you set the PDF Lender Report output as Optional. This will not send a report back to your client via XOP, but it can manually be printed back to them if they request it.

 

 

To add the PDF Lender Report to this product as an Optional output, find the PDF Lender Report output in the System to System Outputs tab, and double-click it. When the Output Details tab opens, click the Selected drop down list and choose Optional (see following page for graphics).

 

 

Once Optional is selected, we recommend that you set one Destination for this output in case you need to manually print the Freddie Mac request to the client side of XpertOnline.net. To do this, click the Destinations… button, and once you are on the Output Destinations tab, right-click on the Output to User Mailbox entry and choose Selected. Additionally, from the Output Detail tab, users can select any Sort Order, Addons, or Options as they please.

 

 

If, however, your Subscriber/Client does want two copies of the Unsolicited report (one in LP, one available to them in XpertOnline Provider), double-click the PDF Lender Report output and choose the Selected option from the Selected drop down list (see following page for graphic).  

 

 

You will then need to click the Destinations… button and, for the Output to User Mailbox option, right-click and choose Selected.

 

 

Additionally, for the Selected PDF Lender Report output, users can select any Sort Order, Addons, or Options as they please.

 

When you are finished, click the Save button to save all of your changes. When the save is complete, the required components on your tree structure for the TFUNSOL should resemble the graphic on the following page.

 

 

Move on by configuring your Product Options. Click on the TFUNSOL entry in the tree structure of this screen to have the Options button available to you.


Options – Configuring Trans Chicago Reprints for Freddie Mac 

When you are viewing the Product tab in the middle of your screen, click the Options button near the bottom to configure your TC/FMAC reprint prices for your clients

 

 

 

The Product Options window opens to allow you to designate pricing for line item updates requested in various ways (through the web, over the phone, or over the fax) by your client, as well as for Trans Chicago reprints (duplicates). You may enter any price and tax value here that you wish to charge.  If you do not want to charge anything for these, input zeros into these fields. Note – do not leave these fields blank!  As stated above, input 0.00 into the Reprint field if you do not wish to charge for reprints.

 

In most cases, you will not want to charge your Subscriber/Clients for Trans Chicago reprints (duplicate requests). The only time you should ever see a reprint is if the original file did not import correctly into XpertOnline Provider and Trans Chicago resent it as a duplicate.

 

Once this is completed, Save your changes from the Actions section. You have successfully created your Unsolicited Trans Chicago/Freddie Mac product for XpertOnline Provider.


Quick Overview: Solicited (originated via XOP/XpertOnline.net) Product Setup

In order to convert a TC file to an RMCR, you will need a  “TC to RMCR” product. You will not be able to use your existing RMCR product with TC files.  If a product has a Trans Chicago Access, you can only upgrade to a product that also contains a TC access. Once this product is setup correctly, you will be able to upgrade an existing TC report to this new RMCR product:

  • Description: You may choose any product description you like. One suggestion here would be “TF RMCR.”
  • Accesses: choose the Selected option for the Trans Chicago FMAC v2.1 Credit Report access with all of the AddOns listed here to this TC/Freddie Mac product:
    1. EFX, EFX with Score, TU, TU with Score, XPN, XPN with Score.
  • Services: choose the Selected checkbox for the Import service to all TC products.  Since these are pre-merged files, you do not want to use any other Merge service.
    1. Since this is an RMCR product, you will probably want to add certain Additionalservices that are specific to RMCRs.  See below for a list of Additional services that are usually added to RMCR products:
      • RMCR
      • One of the following Verify Balance services:
        • Verify Balances Older than 30 Days
        • Verify Balances Older than 60 Days
        • Verify Balances Older than 90 Days
    2. Verify Addresses
    3. Verify Employments
    4. Interview

  • Outputs: choose the Selected option for the PDF Lender Report.
    1. Set the Destinations to Output to User Mailbox.
  • Product Options—you will need to set a TC Reprint price as your clients are billed each time they reprint from TC. As a general rule, ALWAYS enable the Trans Chicago FMAC v2.1 Credit Report access PRIOR to setting your Product Options pricing for TCReprints. Note – do not leave this field blank! Input 0.00 into this field if you do not wish to charge for Reprints.  For Freddie Mac products, we recommend leaving the price as zero.

 

Finally, make sure you Save Changes from the Action Menu.


Subscriber/Client (End User) Setup

After you have set up TFUNSOL and any other TC-related products, you will then need to edit the Subscriber information screen for the Subscriber/Client that will use the Trans Chicago interface. Note that if you need to add a brand new client, you will need to add the new client information first, and then move on to adding the Trans Chicago information outlined in the following pages.  For instructions on setting up new clients in XOP, please see the Client Setup documentation located in the XOP program by going to Help | Documentation and downloading the Setup documentation.

 

The following instructions only involve editing existing client information for Trans Chicago.

 

After a successful login into XOP, click the Setup menu option and choose Clients.  

 

 

You will then be prompted with an Exact Search box—if you know the name of the client you are going to setup for the TC/FMAC connection, type it into this field and click OK. Otherwise, leave the Exact Search box blank and click OK to see the entire list of clients.

 

You will then come to the Clients screen. Once you have found the client company entry that you wish to setup for TC/FMAC through XpertOnline Provider, select on it and click the Detail tab. You may also double-click on your client company entry in the List tab to move into the Detail tab.

 

The Detail tab is where you will start setting up this client company for TC/FMAC access.

 

 

The two areas of the Detail tab that you will need to pay attention to are the Unsolicited User/Lookup Unsolicited User… button section and the Trans Chicago Information section. Depending on your monitor resolution, you may need to scroll down in the Detail tab to view this information.

 

Begin with the Unsolicited User field.  

 

 

Here, you need to populate the Unsolicited User field with a user’s name from this client company that will order/receive the unsolicited TC requests—that is, the requests ordered and billed through LP.   Click the Lookup Unsolicited User… button for a list of users that can be added to this field as you cannot type in this field.


 

  

Once you are viewing the Users screen, select on a user that should order/receive TFUNSOL requests, and click the Select button.  The selected user name will then populate into the Unsolicited User field.

 

 

If no name is input into this field—if it is left blank—the default user name will be the first user that occurs in your user list. Since this may not be the user you wish these reports to be assigned to, we strongly recommend that you input a username into this field.

 

Once this is done, move down to the Trans Chicago Information section. Since we are only discussing the Trans Chicago/Freddie Mac connection, you only need to pay attention to the FMAC Subscriber Code field. In this field, input your client’s end user number assigned to you by Trans Chicago. This number is what Synergistic software refers to as the TC Subscriber Code.

 

When you have finished entering the FMAC Subscriber Code value, click the Save button to save your modifications to this client company.  Once the changes are saved, you then need to click the Validate Setup button.   This button prompts XOP to add the FMAC Subscriber Code value to the server that routs Trans Chicago/Freddie Mac requests.  You must save your information prior to validating your setup—click the Save button from the Actions section of this screen.  


 

If XOP was successful in validating these Subscriber Codes, you will get a confirmation saying that the Subscriber Code was added correctly. If not, you will get a descriptive pop-up message informing you of the steps that need to be taken in order to get this FMAC Subscriber Code validated.

 

Once you are finished entering an Unsolicited User value and the FMAC Subscriber Code into the Detail tab of the Clients screen, click the Save button to save your modifications to this client company.  When the save is complete, you have setup your client company for the TC/FMAC connection through XOP.

 

Remember: you cannot have a client setup for TC/Freddie Mac within Xpert 2 and XpertOnline Provider. If you do, this Client will NEVER receive a report back into XpertOnline Provider  You must remove this client for TC/Freddie Mac access in the Xpert 2 system. This applies to XpertOnline.com as well!

 

You should now be able to send a test file through using any of the TC products, this client company, and the Unsolicited User value to ensure that this connections functions properly.


Things to know about Trans Chicago through XpertOnline Provider

  • Make sure that you have “Address Parsing” turned on at the bureau level for all Experian access codes that Trans Chicago may be using.  To do this, contact your XPN bureau representative. When Address Parsing is turned on, it sends the data to Trans Chicago in a format that makes it easy for them to parse out the address information. It causes the address information contained in the XPN raw data to be separated by slashes. If Address Parsing is not enabled, your files will not be processed correctly by Trans Chicago.


  • The same TF End User Number cannot be used in XOP/XpertOnline.net simultaneously with either XpertOnline.com or Xpert 2. You will have remove the TF End User number from either of these systems in order to use XOP.

  • The Same TF End User number cannot be entered for more that one client. XOP would not know what to do with TF unsolicited files if the same TF number existed for more that one subscriber number. The best course of action would be to have Trans Chicago assign a second End User Number for use with the second Subscriber number.
     
  • Once a Trans Chicago file has been imported, reaccessing the file will always return the original file, even if you upgrade the product.  Once the Job Number has been assigned to the report, Trans Chicago will always return the same file.  To get a new file, you will need to order a new request through Loan Prospector.