But first, Fair Isaac Corp.’s recent announcement that it would disregard authorized user accounts in its FICO ’08 scoring model is illegal, according to BoostMyScore.NET — which says it offers account trade lines to prospective borrowers who “need of a quick and easy FICO score boost.” The new score, which will impact 41 million people, violates the Equal Credit Opportunity Act, Denver-based BoostMyScore claims.

Experian and Clayton Holdings have agreed to provide analytics and outsourcing services to the mortgage and securitization industries, an announcement Tuesday said. The service will reportedly improve transparency, predictability and loss mitigation. An initial offering from the two service providers will enable servicers to determine borrower eligibility for the rate freeze modifications recommended under the plan proposed by the American Securitization Forum.

Servicers having trouble locating delinquent borrowers can turn to TransUnion’s Triggers for Collections, which alerts companies when borrowers have a change to their credit files.

First American Subordinate Lien Outsourcing announced the release of its Second Lien Scoring Model. The new analytical risk/reward rating system provides risk scores for determining the trade value, ability to collect, potential to revive the loan and recovery and loss severity of second liens.

Fiserv Inc. announced the integration of its easyLENDER loan origination solution into its Cleartouch account processing and Customer Relationship Management solution, enabling customer service representatives to begin the loan application process. The integration reportedly boost cross selling at banks and credit unions and transforms frontline personnel into generators of new business.

Among new users of easyLENDER is Marlborough Savings Bank, which is currently implementing the service and expects to have it fully deployed in April, Fiserv said in a press release.

Flagstar Bank is now using Fiserv’s eLending platform to manage is electronic mortgage signings, closings and post-closing processes, another announcement said. Flagstar will store digital mortgage documents and transfer files to the secondary market with the platform. The system was integrated “seamlessly” with the bank’s loan origination system.

Pinnacle Lending Group LLC will utilize ProofSpace’s ProofMark Transient Key technology to tag e-mail and digital loan documentation with cryptographic tamper-evident seals. The product prevents unauthorized changes and malicious edits to documentation. ProofSpace’s says its self-validating cryptographic seal “acts as a ‘tamper indicator’ which is impossible to manipulate.” The technology will also be applied to Pinnacle’s scanned hardcopy documentation and paper correspondence.

Through a new strategic alliance, customers of Fidelity National Information Services Inc. will have access to the online premium bill pay and presentment services of Digital Insight, the companies announced. The service includes features such as variable recurring payments, user-driven alerts for activity information and deter fraud and payment authorizations by e-mail. Multiple payment account options are also available in addition to secure messaging, real-time funds movement and access to bill information from a network of electronic billers.