This is a system and method that allows mortgage consumers to obtain, store, access and/or distribute their authenticated documents required in underwriting their mortgage loans.The documents include some or all of the following : (hereinafter referred to as ‘Data Package’) Individual bureau credit reports, merged or unmergedReissuable and transferrable Fannie Mae/Freddie Mac credit report with mortgage credit scores from each bureauTrended credit dataVerification of Employment report from The Work NumberBank Statement VerificationVerification of RentVerification of DepositIRS tax transcriptsFraud InformationAutomated Valuation model for property valueSSA-89 Verification of social security numberTax transcripts from TRS (4506T)Any other documents required from lending parties