About Xactus. Xactus is the leading verification innovator for the mortgage industry. The company has over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. Xactus collaborates closely with its clients to digitally integrate a 360° approach to verification across their workflows.OTHER CREDIT HISTORY - Accounts where the bureaus are not sending enough information to categorize the account under any present sections on the report layout. Fortunately, this is rare scenario. INQUIRIES (LAST 120 DAYS) - Displays hard inquiries for the last 90 days, 120 days, year, or two years. 10 11 BUSINESS PRINCIPAL CREDIT REPORT ...Reassign Report Owner cance Lloload Supporting Docs convert to Order New Credit ReportX Order New Mortgage Only. Order New Pre-aualiflcationX Options: Subscriber Directory. I Mew Authorization Letter Of Explanation ezLOE Consumer Copy. Experian 25 21 GREEN,NICKIE 5277 215 Credit ReportX Wsyf r : X— sc.-ex@ Summary Details Comple:ed 11-27-2023, AMXactus Announce the Future Generation of Sein Proprietary Technology Platform, Xactus360 Helps Lenders Streamline Workflows, Creates Efficiencies with Single Login to Access Mortgage Credit and Pre-Qualification Reports PHILADELPHIA - August 3, 2023 — Xactus, and leading verification innovator for the mortgage industry, announced today one ...With credit reporting software, you can prequalify customers, save valuable resources, and land more qualified leads. Soft Pull Solutions enables you to precisely determine your client's creditworthiness and eligibility using credit reporting software that can easily and quickly be pulled using our APIs. Data is cross-referenced across multiple ...310-695-1413. [email protected]. Company Contact. Perry Steiner. Chairman. [email protected]. UniversalCIS, a market-leading, technology-enabled provider of credit data and related origination solutions in the mortgage industry, today announced its acquisition of the Lending Solutions and Appraisal Management Divisions …Tax TranscriptX from Xactus are easy to read and an inexpensive way to retrieve tax transcripts as another way to authenticate a consumer’s income. Our experience and relationship with the IRS ensure that you will receive your tax transcripts fast. Our proprietary quality control system reviews each order for completeness and readability ...310-695-1413. [email protected]. Company Contact. Perry Steiner. Chairman. [email protected]. UniversalCIS, a market-leading, technology-enabled provider of credit data and related origination solutions in the mortgage industry, today announced its acquisition of the Lending Solutions and Appraisal Management Divisions …Our personalized collection approach and targeted communication strategy allows us to promptly resolve past due accounts in a seamless, positive and discreet manner. Schedule a Consultation. How We're Different. California License Number: 10568-99. (800) 931-3711. P.O. Box 158, Hartland, MI 48353. Contact Us.Hard and soft credit inquiries. It seems likely that, in most cases, CREDCO will appear on your credit reports because it's associated with a credit inquiry (otherwise known as a "credit pull"). There are two types of credit inquiries, and the distinction between them is important. A hard credit inquiry (or "hard pull") generally ...Note: Repository regulations require all end users accessing consumer credit data first pass a physical inspection conducted by a third-party inspection firm approved by each repository. This physical inspection is required regardless of lender size, location or years in business.Here you can access a variety of videos and how to instructions to help you utilize the tools and support Xactus makes available to you.04/28/2022 . 1. Start by logging into Xactus and opening your borrowers file from the main page. 2. First, please notice the file number of this report.May 2, 2022 | Archive 2022. Xactus, the leading verification innovator for the mortgage industry, announced today that James Owens has joined the company as Chief Technology Officer. Owens will set and oversee Xactus' technology strategy, including all technical aspects of new product development and implementation across its platforms, and ...Click Order Credit Report under Products & Services. 2. The screen will automatically be on a Single Order. Click the tab that says Upload Batch Order. Select Order Credit Report. You can then Browse for the .CSV file with your list of borrowers to upload. Once you have selected a file, click Upload . How to Batch Order CreditData Services for Private Mortgage Lenders. Credit Plus offers more than 160 intelligent, time-saving products and services designed to help mortgage professionals succeed as they serve their clients better. Our expert customer support team operates like a consultant, guiding mortgage professionals toward more loan closings.Data Services for Private Mortgage Lenders. Credit Plus offers more than 160 intelligent, time-saving products and services designed to help mortgage professionals succeed as they serve their clients better. Our expert customer support team operates like a consultant, guiding mortgage professionals toward more loan closings.You probably already expect to see the credit pull from your mortgage lender. But you may also see "Factual Data" on your credit reports because Factual Data is a company that helps mortgage providers get credit information in the form of a "merged credit report.". A merged credit report is simply a report that pulls your credit ...When errors appear on your credit report, they can have serious financial consequences. You’ll also find four simple steps that you can take if you ever need to correct credit erro...Pre-AppX: Add Utility to Soft Credit Inquiries. Delay prospect triggers until later in the mortgage process with Xactus’ pre-approval soft credit inquiry reports. Watch this video and learn more about how we are meeting the dynamic needs of the industry.Created: February 04, 2020 10:31. Updated: April 28, 2022 10:41. Follow. Who is Xactus? Xactus (formely Credit Plus) provides state-of-the-art verification services from pre-application to post-close that give mortgage professionals greater confidence when making lending decisions.frozen, access the existing credit file in the Xactus platform an d select . Reorder Frozen/Locked Files: A pop-up message will appear confirming your selection. Select . OK. ... CREDIT FILE - REPORT UNAVAILABLE FILE FROZEN BY CONSUMER TRANSUNION a EQUIFAX EXPERIAN 5:11 AM 8/17/20 5:11 AM 8/17/20 5:11 AM .Mar 5, 2024 · Understanding Xactus Credit Inquiry. Xactus Credit Inquiry is a sophisticated tool designed to facilitate seamless credit evaluations for businesses and individuals. Unlike traditional credit inquiries, Xactus employs advanced algorithms and data analytics to provide a comprehensive assessment of an individual’s or business’s creditworthiness.1. Start by logging into Xactus and from the main page, Under Tools, click on Change Credit Report Owner. 2. Please enter the file number of the report you need moved. Then using the drop down, select the user you would like the report moved to. Once these two fields are completed, click Submit. 3.Your credit score can be the key to getting loans, credit cards, and the best interest rates. Monitoring it is important! We'll show you how. We may be compensated when you click o...With Credit Canvas+, lenders can pick and choose which bureaus are present on the credit report. Our flexible bureau logic allows lenders to start with a single bureau and then determined which credit score criteria will automatically upgrade the report from a single to dual or tri-bureau report instantly. Pre-Approve and Pre-Qualify ConsumersPHILADELPHIA, September 13, 2023--Xactus, a leading provider of business data and intelligent insights to the equipment leasing/finance industry, announces it is now offering credit reports from ...Xactus currently has more than 6,500 clients nationwide, ranging from large bank and non-bank mortgage originators, to credit unions and mortgage brokers. Xactus is based in 12 operation centers ...Xactus offers a full suite of property related services to the equity lending industry. Our web-based ordering platform and highly trained and professional customer service staff help streamline your process, reduce costs, and close a higher volume of loans quicker. Property Title Search (Current Owner Report) - Establishes current vested ...With Credit Canvas+, lenders can pick and choose which bureaus are present on the credit report. Our flexible bureau logic allows lenders to start with a single bureau and then determine which credit score criteria will automatically upgrade the report from a single to dual or tri-bureau report instantly. Pre-Approve and Pre-Qualify Consumers1. Start by logging into Xactus and opening your borrowers file from the main page. 2. To add a bureau or spouse to the credit file, go to the Credit File screen of the report and click on Add Bureaus/Spouse under Add-On Products. You may click either Add Bureaus or Spouse as both options will open the same page. 3.CreditXpert Logo. "Having Xactus connected to our new platform means that thousands of bank and non-bank mortgage originators can easily integrate credit optimization into their operations," said ...Credit File Invoice . Each credit file lists a summary of charges on the Credit File screen. View an invoice for a credit report by clicking on . View Invoice. from the credit file screen: A detailed invoice of all transactions on the credit file will appear when you select View Invoice in the screenshot above.Customize Report Borrower r Nicke Green 100 Terrace AVE west Haven CT, Equifax 734 Format Co -Borrower Add Cc-Sorrower 742 Scores F CO Summary Details TransUnion 720 33 25 Experian [732 Completed: Completed 07-18-2023, 10:27 37 AM 07-18-2023, 10:30 52 AM Credit ReportX : Available Reports Date 07-18-2022, 07-18-2022. Report TypeData Services for Private Mortgage Lenders. Credit Plus offers more than 160 intelligent, time-saving products and services designed to help mortgage professionals succeed as they serve their clients better. Our expert customer support team operates like a consultant, guiding mortgage professionals toward more loan closings.When UniversalCIS and Credit Plus merged last October to create the nation's largest trimerge credit report provider, executives at the combined company stated a new brand would be coming in early 2022. The new ... While the component companies now making up Xactus have been in business 30 years or more (one company, Advantus, goes back 75 ...John S Kiernan, WalletHub Managing EditorJan 11, 2023 Negative information can stay on your credit report for 7 to 10 years, depending on the type of information. Positive informat...Customize Report Borrower r Nicke Green 100 Terrace AVE west Haven CT, Equifax 734 Format Co -Borrower Add Cc-Sorrower 742 Scores F CO Summary Details TransUnion 720 33 25 Experian [732 Completed: Completed 07-18-2023, 10:27 37 AM 07-18-2023, 10:30 52 AM Credit ReportX : Available Reports Date 07-18-2022, 07-18-2022. Report TypeMar 1, 2022 · Xactus is the leading verification innovator for the mortgage industry. The company has over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and ...Xactus. Xactus is the leading verification innovator for the mortgage industry. The company has over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. Xactus works closely with its clients to digitally integrate a 360 approach to verification across their workflows.This LexisNexis® RiskView™ Liens & Judgments Report from Xactus provides technology advancements ensure improve the accuracy and timeliness of lien and civil judgment data. Xactus' solution cannot help you hold your competitive edge unless adding the expense of how your models. ... Broad Coverage: Obtain the same federal coverage that ...Helps Lenders Streamline Workflows, Create Efficiencies with Single Login to Access Mortgage Credit and Pre-Qualification Reports . PHILADELPHIA - August 3, 2023 — Xactus, the leading verification innovator for the mortgage industry, announced today the next generation of its proprietary technology platform, Xactus360, further modernizing the mortgage process for lenders.Greg Holmes has more than 25 years of mortgage industry experience and joined the company over 15 years ago. He has served in several roles at the company, most recently as CEO of Credit Plus before its merger with Xactus. He was previously Managing Partner, and a National Director of Sales and Marketing. Throughout his tenure, his focus has ...selections for the report needed. Request Type: New Report Report Type: PreQual Report On: Individual or Joint Check the box next to the bureaus needed and when complete, click Finish. 4. A small window will appear as the report is loading. Please do not click off this screen until the processing is complete.Instead of paying for monthly credit monitoring, why not do it yourself? Normally the three credit bureaus—Equifax, Experian, and TransUnion—only offer one free credit report per y...We would like to show you a description here but the site won't allow us.Mar. 1, 2022, 06:00 AM. PHILADELPHIA, March 1, 2022 /PRNewswire/ -- UniversalCIS | Credit Plus, the leading verifications provider. for the mortgage industry, announced …Xactus is a reseller of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act guidelines.Quick turn times. 24-48 hours (pre-close) 30 days (post-close) Pre-Closing Services. QC Review from Xactus takes each loan through a series of validations and quality control steps to ensure compliance, then provides a report detailing how the loan checked out. Loan risks or problems are highlighted, pointing out areas that need a closer look.Xactus Announce the Future Generation of Sein Proprietary Technology Platform, Xactus360 Helps Lenders Streamline Workflows, Creates Efficiencies with Single Login to Access Mortgage Credit and Pre-Qualification Reports PHILADELPHIA - August 3, 2023 — Xactus, and leading verification innovator for the mortgage industry, announced today one ...Philadelphia, PA, October 28, 2020 – CIS Credit Solutions (“ CIS ”) and Universal Credit Services (“ Universal ”), both technology and credit solutions providers to the mortgage industry, are pleased to announce their merger. The merger, which follows CIS combining forces with Avantus earlier this year, creates a clear market leader ...Xactus is inspired by the word "exact", which represents our commitment to data precision and accuracy. "act" is a nod to the deliberate, proactive approach we are taking to transform our industry. "us" is for our team of experts who will drive our industry-innovation. "X" as a letter, is a symbol of strength, accuracy, and ...Improve Processing, Speed up Originations with Appraisal FirewallX. Appraisal FirewallX is a web-based, secure appraisal program by SharperLending Solutions (a Xactus subsidiary) that allows financial organizations to administer their own appraisal process. To achieve improved processing efficiency and speedier originations, lenders can ...Streamline your HMDA Compliance with Xactus With the HMDA submission deadline quickly approaching on March 1st, time is of the essence! It's crucial to act swiftly to meet compliance requirements.About Xactus. Xactus is the leading verification innovator for the mortgage industry. The company has over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. Xactus collaborates closely with its clients to digitally integrate a 360° approach to verifications across their workflows.Report Features. Broad Coverage: Obtain the same nationwide coverage that historically has been included in credit reports. Actionable Details: Specify the type of judgment and lien content that you need, and select a variety of attributes and individual judgment and lien details. Numerous Attributes: Choose from the count of liens on file, the ...Wayfinder is m ost accurate w hen used the same d ay credit is pulled o r very close to the d ate of credit p ull. Wayfinder is available for 30 days from credit pull date. From a loan origination system, when viewing the report, select the Add Product hyperlink (found on the top right of the credit report) to navigate to the Xactus platform.Xactus. Xactus is the leading verification innovator for the mortgage industry. The company has over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. Xactus works closely with its clients to digitally integrate a 360 approach to verification across their workflows.Universal Credit Services - Now Xactus is located at 370 Reed Rd #100 in Broomall, Pennsylvania 19008. Universal Credit Services - Now Xactus can be contacted via phone at 888-212-4200 for pricing, hours and directions. Contact Info. 888-212-4200 (484) 472-8026; Questions & AnswersCredit Report LoanShield AVM Flood Zone xactus>l Advancing the Modern Mortgage Credit Report Details Canceled AM 02-16-2023, AM Report ID: Type 2208000129 45164045 Merge Credit Report Actions: Copy/Merge\lJnmergs Order update/Supplement Order Xpress Llodate Order Raoid update/Rescore Liens and Judgements Refresh ReportWith Credit Canvas+, lenders can pick and choose which bureaus are present on the credit report. Our flexible bureau logic allows lenders to start with a single bureau and then determined which credit score criteria will automatically upgrade the report from a single to dual or tri-bureau report instantly. Pre-Approve and Pre-Qualify ConsumersWe have come together to create the leading. verification innovator for the mortgage industry. X. CIS Credit Solutions is now Xactus. We have come together to create the leading. verification innovator for the mortgage industry. X. DataFacts is now Xactus. We have come together to create the leading.Our Online Verifications Demonstrate our Unrivaled Commitment to Your Success. Xactus provides all the verification solutions lenders need to obtain an accurate, multi-dimensional view of their applicants. Receive up-to-date income, employment, asset, and debt verification data so you can properly evaluate the loan applicant’s ...Streamline your HMDA Compliance with Xactus With the HMDA submission deadline quickly approaching on March 1st, time is of the essence! It's crucial to act swiftly to meet compliance requirements.Leader in Mortgage Credit Reports. Mortgage lending professionals across America rely on the easy-to-read consumer credit reports and innovative verification tools offered by Factual Data. Every day, we continue our mission of Helping Lenders Expand Homeownership.Xactus’s flexibility and adaptability enable lenders who transition to our mortgage credit reporting platform to customize formats based on their customers’ wants and needs, placing them in a ...Then, make the selections for the report needed. Request Type: New Report Report Type: Refresh Reference Number: Report ID of the original hard inquiry report Next, select an option under Import Liabilities. Lastly, check the box next to the bureaus needed and when complete, click Finish. 4. A small window will appear as the report is loading.When UniversalCIS and Credit Plus merged last October to create the nation's largest trimerge credit report provider, executives at the combined company stated a new brand would be coming in early 2022. The new ... While the component companies now making up Xactus have been in business 30 years or more (one company, Advantus, goes back 75 ...Compare a credit report to a previous version and obtain real-time views based on bureau, add/remove borrower, Date of Last Activity, Date Reported, and Months Reviewed; Merge two individual credit reports pulled within 30 days of each other into one joint credit report; Repull a bureau into an existing reportCertified Credit Reporting, Inc. PO Box 2969 Rancho Cucamonga, CA 91761 United States (800) 769-7615 : MeridianLink, Inc. 128 : CIC Mortgage Credit, Inc. 2206 21st Avenue, South Suite 303 Nashville, TN 37212 United States (800) 352-5882 : MeridianLink, Inc. 22 : CIS Credit by Xactus. 370 Reed Rd Suite 100We have come together to create the leading. verification innovator for the mortgage industry. X. CIS Credit Solutions is now Xactus. We have come together to create the leading. verification innovator for the mortgage industry. X. DataFacts is now Xactus. We have come together to create the leading.12/06/2022. 1. Start by logging into Xactus360 and opening the borrowers file from the home page. 2. On the left-hand side under Options, click Customize Report. How to Customize a Credit Report Within Xactus360. 12/06/2022 3. If Trended Data is needed on the report, check the Include Trended Data box. To sort the tradelines in a specific order ...Equifax Information Services, Inc., No. 20-3368 (7th Cir. 2021) In these consolidated cases, the plaintiffs owe consumer debts they claim are not owned by the creditors listed on their credit reports. They approached the consumer reporting agencies and requested an investigation of their claims. The consumer reporting agencies contacted the ...Your credit report contains the details of your financial history. Your ability to get good interest rates on loans, approved for credit cards or even an apartment can depend on yo...Xactus, is a reseller of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act .... Nowadays everything from home mortgage, buying or leasing a Avantus LLC, Xactus, and other parties can perform two types of inqui People often incur new debts after they apply for a mortgage and the lender pulls the origination credit report – but before the loan closes. In fact, 70% of undisclosed new debt is opened more than 14 days before closing. Undisclosed Debt Best Practices. There are two important ways you can prevent and detect undisclosed liabilities:The LexisNexis® RiskView™ Liens & Judgments Report from Xactus provide technology advancements that improve the accuracy and timeliness of lien and courteous judgment data. Xactus' solution bottle assist you maintain the competitive edge without adding the expense of recalibrating your mod. Xactus, is a reseller of credit information an Streamline your HMDA Compliance with Xactus. With the HMDA submission deadline quickly approaching on March 1st, time is of the essence! It’s crucial to act swiftly to meet compliance requirements.With Credit Canvas+, lenders can pick and choose which bureaus are present on the credit report. Our flexible bureau logic allows lenders to start with a single bureau and then determined which credit score criteria will automatically upgrade the report from a single to dual or tri-bureau report instantly. Pre-Approve and Pre-Qualify Consumers Services > Credit Reports > Request Credit: On the fo...
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