May 16, 2022 · 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 ...We Offer Two Different Kinds of Pre-Screened Lead Data Solutions: Batch Pre-Screen FICO-Based Credit Data. Choose single, dual or tri-bureau data and receive one-off extract or scheduled ongoing fulfillment. Requires firm offer of credit. Invitation to Apply (ITA) Non-Credit Data. Data is derived from public records from multiple sources.Certified 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 100What is a credit report and why is it important? Learn how it can help you understand your financial past and shape your financial future. What do a credit report and a pirate have...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.A guaranteed flood zone determination (FZD) that provides all the required FEMA flood map and community participation status information. Xactus Flood Solutions flood zone determinations include a map exhibit pin-pointing the property location and showing parcel boundaries and building footprints with the FEMA flood layer overlay.Bill Merryman serves as Executive Vice President of Sales of Xactus, having originally joined Universal Credit Services in 2014 as President. Bill brings with him approximately 40 years of sales and management experience in the mortgage, credit bureau, and financial services industries. During his time with Xactus, Bill has been an instrumental ...Now private money lenders can know more about their borrowers faster. Salisbury, MD, June 17, 2021 – Credit Plus, a leading provider of mortgage verifications, business credit reports, business owner reports and a complete ecosystem of business intelligence data, today announced it has expanded its integration with Liquid Logics to …Become a Xactus Client. Start the Application Process. ... IRC Section 42, and which, if a State Tax Credit is wanted, ... or 180 days got been since the first site inspection date von the ... Appendices - delight download press review terms. " *" indicate required fields.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 ConsumersXactus’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 ...Xactus can manually verify employment and income and provide you with the validation you need in just one to three business days. We follow a uniform, auditable process that ensures you receive data you can trust. We even can perform verifications on self-employed consumers. Our experienced team conducts a thorough, auditable investigation ...Validate Consumers’ Social Security Numbers. Xactus helps lenders determine if the Social Security number (SSN) provided by a consumer is accurate. SSA-89 – Complete an SSA-89 form and Xactus will submit it to the Social Security Administration (SSA) to confirm that the Social Security number matches the applicant’s name on file.Or if you prefer to speak with someone, please call us at (888) 212-4200. Are you a current customer looking for assistance? Please go to our help and support page to obtain the correct contact information depending on your request. " * " indicates required fields. Xactus is dedicated to offering unmatched customer service.Xactus' solution can help you manage your competitive edged absent adding the effort concerning recalibrating your models. Liens the Judicial returns information in the credit report about public record filings on individuals for help uncover civil court filings during the.Credit Report AVM Flood Zone Account I All Invoices Account Summary Charges on your pend ng invoice Total Balance Due Current Past Due 30 Days Past Due 60 Days ... xactus>l Advancing the Modern Mortgage . Invoices Report On C) VI C) Single v Specify the Detail Specify the Output Submit . xac us POBox 70784Dispute the inquiry. The Fair Credit Reporting Act of 1990, gives you 30 days to dispute a hard inquiry. If you discover an unexpected hard inquiry on your report, you should contact the company named and the credit bureaus immediately. Although you can contact the bureaus electronically, certified mail is preferable, as it creates a paper trail.Our Pre-QualificationX soft inquiry report also helps protect your pipeline and costs less than a hard inquiry. However, it is different than Pre-AppX in three important ways. Pre-QualificationX: Does not include trended credit data or allow scoring tools, supplements or other verifications. Cannot be used for the GSEs. Requires written consent.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.Earlier this year, the FHFA estimated that the bi-merge credit report change will not occur until the first quarter of 2024 at the earliest – with the implementation of the new credit score models expected to occur over two phases in late 2024 and 2025.Nancy Grycewicz serves as the Vice President of Human Resources for Xactus. She has over 25 years of comprehensive Human Resources experience in diverse settings; including financial services, manufacturing, hospitality, retail, and engineering. Nancy has experience with growing companies, and especially with enhancing Human Resources ...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...Xactus Data offers tri-merge credit reports, pre-approval and pre-qualification reports, tradeline updates, and scoring tools for mortgage lenders. Xactus Data does not provide credit reports for consumers or businesses.Aug 3, 2023 · 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.Incorporate Underwriting Requirements into Credit Report Workflow; Net Admission up Consumer's Two-Year Approach to Revolving Credit with Tend Data; ... Xactus provides tri-merge credit reports with various attributes and features that ability be customized to your workflows.Explore our comprehensive catalog of tech-forward mortgage solutions, complete with in-depth product descriptions for a thorough exploration of our offerings. With free online mortgage training through Xactus U, mortgage professionals receive the education that enables them to deliver a robust modern mortgage experience.PHILADELPHIA, March 1, 2022 /PRNewswire/ -- UniversalCIS | Credit Plus, the leading verifications provider. for the mortgage industry, announced today its new name, Xactus, marking a new beginning ...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.Avantus LLC, Xactus, and other parties can perform two types of inquiries into your credit, and each has a different effect on your credit score. If Avantus or Xactus initiated a hard inquiry, your score may drop by up to 10 points. If Xactus on credit report information shouldn’t be there, dispute it. Hard Inquiries. When consumers apply for ...Repull Frozen Credit Files The Applicant(s) credit file is frozen at the credit bureau(s) listed below. To repull a file, select the appropriate checkbox and enter the consumer's PIN if required. Clicking the Submit button will repull the selected credit files. There is a charge per bureau per borrower. (TO: $7.50, EXP: $7.50, EQX:SIO.25 Frozen ...I can be reached at 800-243-0120 ext. 236 to answer any questions or concerns you may have. Please visit our website at www.avantus.com. and take a tour, and my e-mail is [email protected] ...For example, if you applied for a retail store credit card, the entity listed on your report might be under the name of the bank issuing the card, not the name of the store. Or, you may have forgotten that you authorized an inquiry. If you contact the company listed beside the inquiry on your credit report, it should be able to provide proof ...Contact your Xactus Account Executive today. *Industry standards for monthly hit rates of new mortgage inquiry alerts: 1.7% for single-bureau, 2.6% for two-bureau and 3.2% for tri-bureau against client databases. ** Our program will require you to provide the consumer a firm offer of credit on all received leads.Aggregated credit data - This information helps businesses gain critical insight on credit use by offering a suite of tools to differential households based on their likely credit availability, needs and usage. Because it is not subject to FCRA regulations, this data can be used throughout the entire lifecycle to enhance prospecting ...Xactus offers Asset Validations through Account Chek™ Asset Report (FormFree) and Finicity reports that help save you time and help minimize the risk of fraud. Benefits include: Eliminates the need to obtain print copies of applicant bank statements; Provides 3rd-party asset and deposit verifications accepted by the GSEsGet leading lending technology and credit reporting solutions from Xactus. Integrate consumer your and reporting seamlessly. Reduce risk in decisions.The Credit Report Request screen will first ask for your username and password. Then, make the selections for the report needed. Report Type: Consumer Credit, Mortgage Only, PreQual, Refresh ... xactus)( 600 saw Mill Rd. west Haven, CT 800-243-0120 Fax: 800-942-9451 10,'07/2022 10/07/2022 10,'17/2022 Credit Report Ordered: Released: Reissued: c ...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...Xactus is dedicated to offering unmatched customer service. Thank you for contacting us and we will be in touch soon.Navigate to the Credit File screen in the Xactus website for your borrower. If viewing the credit report in a Loan Origination System (Encompass, Calyx Point, etc.) , select the Add ... Comparison Report Request Suzp ement VIEW REPORT ADD-ON PRODUCTS REF 07820 1805000046 742 TU: 740 724 28 750 +11 co-BOR: ADDR: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 ConsumersXactus Data offers tri-merge credit reports, pre-approval and pre-qualification reports, tradeline updates, and scoring tools for mortgage lenders. Xactus Data does not provide credit reports for consumers or businesses.Aug 13, 2020 | Archive 2020. CIS Credit Solutions ("CIS"), a credit and technology solutions provider to mortgage originators is pleased to announce its merger with Avantus, LLC ("Avantus") and Credit Bureau of Connecticut ("CBCT"). Both businesses are technology and service providers in the mortgage industry, and the combination ...March 1, 2022 PROGRESS In Lending. UniversalCIS | Credit Plus, a verifications provider for the mortgage industry, launched its new name, Xactus, marking a new beginning for …Credit 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 ReportData 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.Customer Service. Credit reports, supplements, lien and judgements, etc. [email protected] Xactus360: 800.243.0120 x 2000 Legacy: 800.258.3488 x 1411Your 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...Register for your continuing education courses through Xactus and receive a discount. For more information contact: Phone: 877.403.1428. Email: [email protected]. Our free online classes can be accessed by Xactus customers live each day or scheduled via appointment. We even offer customized training sessions by request.5.Populate the remaining fields required to order the Credit Report. When all selections have been made, choose . FINISH: The credit report appears in the . Services View . tab. Xactus Username/Password of person placing request. Xactus Username for person for whom the report is being requested. Ordering c redit through Encompass f or Another U serCredit Scores: Displays the score for each bureau, the score model used, and any score improvement opportunities through Credit Assure. Credit Summary: Summarizes …Xactus creates easy-to-use, innovative and customizable technologies, delivering the verifications and credit data solutions lenders need to close more loans more quickly.Perry Steiner serves as Chairman and CEO of Xactus. His career has spanned private equity, executive leadership, and various entrepreneurial ventures. Perry has been on the board of directors of approximately 20 companies, and has served in the capacity of Chairman and Lead Director of businesses across multiple industries. Previously Perry ...Xactus is the new name for the recently merged family of companies that includes Credit Plus, Universal Credit Services, CIS Credit Solutions, Avantus, and DataFacts Lending Solutions. About Xactus Xactus is the leading verification innovator for the mortgage industry.For users interested in finding out how to set up credit reports, the first step is to complete the application located on your Settings page. The application can be found in the Credit Report Integration section. Once the application is complete, a third-party inspector will be in touch to determine a date and time for an on-site inspection.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 ...Xactus' credit reporting browse reduce costs, increase operational, and mitigate take. Our pre-approval and pre-application reports use soft inquiries which protect your maintain away competitors. Your of all, our credit reporting wares help you doing better decisions entire the credits batch.The page timed out while loading. Are you sure you're still connected to the Internet?Prior to his tenure as Xactus' Chief Data Officer, he served as the company's EVP of Data Solutions. He was previously the EVP of Product Development at Credit Plus, which Xactus acquired in ...A credit inquiry, also known as a credit pull or credit check, occurs when a third party requests to view an individual's credit report. This request is typically made by lenders, creditors, or service providers to assess an individual's creditworthiness when they apply for a loan, credit card, or other financial products.Credit Scores F CO Credit Report Summary 32 n 27 Credit Report Details 123456789 D: 44121232 Merge Available Credit Reports 273 $1,197 Completed 10-28-2022 09 58:02AM 10-28-2022, 09 58_11 AM Report Type Merge Merge Date 10-28-2022, 10-28-2022. xactus360 Home Dashboard Account My Reports UDM Business Report Management Repons Preterences SSN SSNVCreditXpert 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 ...The credentials used to access Xactus360 are the same credentials used for reissuing a report Fannie Mae The credit vendor is Xactus 51 Freddie Mac Select Sharper Lending as the Credit Vendor and Xactus LLC as the Technical Affiliate Retrieval / Reissue The Report ID is the reference number used to reissue a credit report in DU & LPHow Can I Remove Avantus LLC From My Credit Report? If Avantus LLC appears on your credit report and you need to remove the entry, you can contact the company directly. Address: 70 Jefferson Blvd., 4 th Floor. Warwick, RI 02888. Phone: 800-243-0120. Email: [email protected]. Website: Xactus.com. There are other ways to remove an inaccurate ...Sign in. Ask xactus-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.This is the date of the last report the creditor gave to the credit bureau. 5. Date Opened & DLA Date Opened: The date that the account was originally opened DLA: This is the date of the last recorded activity on the account. 6. High Credit or Limit & Account Types High Credit: This is the highest amount borrowed on this account. This shows ...The Credit Vendor is Xactus 51. Freddie Mac Select Equifax Mortgage (EMS) as the Credit Vendor and Xactus LLC as the Technical Affiliate. Retrieval/Reissue The Report ID is the reference number used to reissue a credit report is Desktop Underwriter and Loan Prospector.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: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 ...Feb 15, 2024 · 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.The Interagency Appraisal and Evaluation Guidelines require financial institutions to verify the collateral suitability via a detailed property condition and evaluation report to support value conclusions on all subject properties. Automated Valuation Models (AVM), Tax Assessment Values (TAV) or a Brokers Price Opinion (BPO) are no longer ...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.From the main desktop screen in the Xactus ordering platform, choose the ... select View Report. How to Order a Flood Certificate. xactusŽ( Advancing the Modern Mortgage Flood Branch User SANDYS MORTGAGE COMPANY-CIS-8888 SELECT Cancel Options Flood Life of Loan HMDA Rush Order Pay by credit card Order Notification Email [email protected] ...The LexisNexis® RiskView™ Liens & Judgments Report from Xactus provides technology advancements that improve the accuracy and timeliness of preemption and citizen evaluation data. Xactus' solution can aid to maintain your competitive edge without adding who expense of recalibrating your models.Select Order Credit Report. A window will pop-up allowing you to choose your Provider. Select Xactus and click Submit to launch the order form. ... I Credit ReportX Xactus Borrowers Nickie Green & Alan Brawn ORDER INFORMATION ORDER DATE 07/182023 AM 07/182023 AM 07/182023 AM 07/182023 AM 07118/2023 AMDate of Last Activity on your credit report refers to the last time there was activity on any of your accounts. DLA is used on any account in the last seven years, whether it is an on-time payment or a late payment. Accounts with no activity are supposed to drop off your credit report after seven years. Simply calling a creditor does not count ...As a crucial part of your loan tracking system, Portfolio MonitoringX solution can: Help guard your profits and loans. Mitigate portfolio run-off. Enhance your credit decisioning based on key account data. Monitor delinquencies. Choose between single bureau or tri-bureau monitoring. Receive alerts in real-time or within 24-hours.Jason Klein is a principal at Lovell Minnick Partners. He first joined LMP as an Associate in July 2011, rejoined the firm in February 2021 as a Vice President, and was named Principal in 2022. Prior to his return to LMP, Jason was a Vice President on the financial services investment team with Pine Brook Partners, a private equity firm.Comprehensive Training Resources. We provide the training tools and programs you need to advance the delivery of the Modern Mortgage. At the core of our customer service is an unrivaled commitment to your success. Learn how Xactus is uniquely positioned to help you advance the Modern Mortgage.xactus.com [email protected] (888) 212-4200 Lead generation Access through numerous LOS StartMyApplicationX QualifyMeNowX Pre-QualificationX Pre-AppX Credit ReportX/Tri-merge credit report Trended data credit reports Credit score disclosure reports that can be mailed (optional) on your behalf/FACTA Score optimization tools .... Here you can access a variety of videos and how to instBroomall, PA – October 5, 2023 – Xactus, the le Customer Service. Credit reports, supplements, lien and judgements, etc. [email protected] Xactus360: 800.243.0120 x 2000 Legacy: 800.258.3488 x 1411Xactus: Collaborate More in '24. Dec 8, 2023 | Videos. Xactus can help you streamline workflows, manage milestones, boost efficiency, and protect your margins. Collaborate with us in '24! Flag Indicative Words and Make Better Lending Decisions with Appraisal ScorecardX. Nov 9, 2023 | In the News, Blog xactus.com [email protected] (888) 212-4200 Lead generation Access thr NOT accurate as of three credit bureaus. The bank used Xactus to run credit, that showed judgements that had been released years ago. The credit score was …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 ... Latest News. Residential Mortgage. Unive...
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