Due Diligence Fingertips - CINcompass · bankruptcy case. CIN Legal partners with Experian ®, TransUnion®, Equifax®, LexisNexis and Creditxpert™ to provide quality data you can
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Experience an easier, more convenient and faster way to obtain and verify data.Choose from a wide array of products and services that assist with providing the most accurate data and BAPCPA compliant courses for your clients.
CINgroup® provides innovative software and due diligence products for attorneys practicing bankruptcy and their clients. Serving customers nationwide, The CINgroup Family includes Best Case® Bankruptcy, CINcompass®, EZ-Filing®, CIN Legal Data Services®, Suite Solutions™ and myHorizon™. 4540 Honeywell Court | Dayton, Ohio 45424 | 866.218.1003 | [email protected] | CINgroup.com
Bankruptcy Credit ReportsMore than just a credit reportDesigned specifically for the needs of bankruptcy attorneys, the Bankruptcy Credit Report provides the accurate and comprehensive data you need for your next bankruptcy case. CIN Legal partners with Experian®, TransUnion®, Equifax®, LexisNexis® and Creditxpert™ to provide quality data you can trust. Plus, CIN Legal is the only provider to integrate with all the major bankruptcy software platforms, saving time on intensive manual data entry – on average 60 minutes per case!
Choose from 3 Bankruptcy Credit Reports:
Basic: Experian and TransUnion creditor and public records data
Preferred: Experian and TransUnion creditor and public records data with bankruptcy-specific addresses, a LexisNexis 8-year bankruptcy, liens and judgment search. Plus, a current and predictive post-bankruptcy credit score for the primary debtor
Premium: Experian, TransUnion and Equifax creditor and public records data with bankruptcy-specific addresses, a LexisNexis 8-year bankruptcy, liens and judgment search. Plus, a current and predictive post-bankruptcy credit
Post BankruptcyCredit AssuranceCreditors do not always report a bankruptcy discharge to the national credit bureaus. With minimal effort, help clients identify and resolve problems proactively with Credit Assurance.
Credit Assurance includes:
A 3-Bureau Credit Report delivered to your client 45 days after a Chapter 7 discharge or Chapter 13 confirmation
Dedicated credit advocates to handle any disputes
12 months of credit monitoring protection
How it works:
Order before, or within 180 days after the case is filed.
A Credit Assurance Report is generated 45 days after the confirmation or discharge.
A letter is sent to your client by email and mail notifying them that the Report is ready to view online (or by mail on request).
Your client reviews the Report for any liabilities that should have been removed and are able to submit any issues through their myhorizontoday.com account, or through the mail.
A CIN credit advocate disputes the data with the relevant national credit bureaus on your client’s behalf. The credit bureaus have 30 days to investigate and respond.
Once complete, a CIN credit advocate mails the credit bureaus’ investigation results to your client.
Bankruptcy CoursesCredit Counseling and Debtor EducationRest assured you are ordering a EOUST-approved course. CIN Legal only partners with industry-leading credit counseling and debtor education providers offering courses online or via telephone, in English and Spanish.
When you order a course through CIN Legal you get:
Automatic electronic posting of completion certificates to your account
Notification emails to you regarding certificate availability
Easy ordering and certificate retrieval directly from your bankruptcy software
Credit Counseling Providers:
Debt Education and Certificate Foundation (DECAF) is designed to aid your client in meeting requirements in a timely, user-friendly environment with exceptional customer service.
Dollar Learning Foundation provides financial literacy programs that promote good money management skills and self-sufficiency.
National Financial Literacy Foundation (NFLF) is a 501(c)(3) non-profit organization dedicated to empowering consumers by providing financial
education and personalized counseling solutions.
Debtor Education Providers and Prices:
Debt Education and Certification Foundation (DECAF)
Second Bankruptcy Course (SBC) is dedicated to providing financial education to individuals through online and telephonic courses.
Income and Asset DataIRS Tax Return TranscriptsVerify up to 4 years of your client’s income and provide this third-party documentation to Trustees. In addition to delivering the transcripts, CIN Legal includes a Tax Transcript Summary, which provides an overview of:
Filing Status
Exemptions
Total Income
Refund/Payments
Tax Transcripts are typically delivered 3 business days after the signed Form 4506-T is submitted. NOTE: Form 4506-T is required by the I.R.S. in order to release your client’s tax transcripts.
Ownership Report/Lien SearchGain full discovery of your client’s property.
Verify your client’s information by getting:
The property title with the Ownership Report
Any mortgage liens with the Lien Search Report
Immediate access through your CIN account
Income and Asset DataAutomated Real Property Valuation (AVM)Get fast, reliable, and accurate information on your client’s real estate holdings.
Access property valuations to get:
A low-high set
Reported property information
Comparable sales
Immediate access through your CIN account
Broker Price Opinion (BPO)Prepared by a licensed real estate agent local to the property, the BPO is ideal if you are looking to strip a lien and need an in-depth appraisal.
Provide an accurate valuation that delivers:
As-is and Quick-Sale property values
Hand-selected comparable sales and listings
REO/Short sale data on comps along with market commentary
Visit CINLegal.com/signupGet started with CIN Legal and gain access to credit reports, tax transcripts, and other due diligence products right at your fingertips!
Attorney approvedMore than 2.7 million credit reports have been fulfilled to attorneys nationwide.
Attorneys have ordered 700,000+ courses for their clients from CIN Legal.