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.An unauthorized hard inquiry on credit report was made by XACTUS - UCS, on 02/10/2022. Please remove this hard inquiry from my credit report. Business response. 02/14/2023.With Scoring Tools from Xactus, you can show potential borrowers what activities they could take to possibly improve their chances of obtaining a desirable mortgage loan. Creditxpert® Wayfinder™ evaluates hundreds of options, looking at the positive and negative factors influencing the borrower’s credit score to offer the best …Credit Scores Lending Experian 786 Experian [732 Date Credit Report Summary 87 50 Credit Report Details D: 43889523 Merge Available Credit Reports Report Type Merge Merge Completed 09-14-2022, PM 09-14-2022, PM Format -v -v xactus360 Home Dashboard Account My Reports UDM Business Report Management Repons Preterences SSN SSNV Administration VOETax 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 ...Broomall, Pa. – March 15, 2024 – Xactus, a leading verification innovator for the mortgage industry, today announced a new flood zone determination integration using Encompass Partner Connect, the latest API framework from Intercontinental Exchange (ICE) for mortgage technology and available via the Encompass ® digital lending platform.generates a consumer consent-based score or a full credit report. It's a smart way to quickly learn if consumers meet credit criteria so you can provide insight on what loan products they may qualify for - without requiring them to go through a formal credit application process. Credit 370 Reed Rd., Suite 100 Broomall, PA 19008 (888) 212-4200When 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...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.Universal Credit Services merged with Consolidated Information Solutions and Avantus. I am happy to take on the CEO position of the new company, UniversalCIS, LLC. UniversalCIS is a market leader ...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 now include soft credit inquiries.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 ...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 ...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.Updated: March 26, 2023. Universal Credit Services is a debt collection company. You may not have to pay your debt (paying it may hurt your score) Call now to find out if you can remove Universal Credit Services from your report - without paying your debt (potentially) Call (844) 656-0790. Trustpilot.Credit Radar™ – Obtain a credit report cover page that allows you to view forecasted mid-scores and spot critical issues before reviewing the actual credit report. CreditXpert® Wayfinder™ – A credit score analysis tool that makes it easier for your applicants to reach their optimal credit scores, which can make all the difference for ...March 01, 2022, 11:18 a.m. EST 1 Min Read. When UniversalCIS and Credit Plus merged last October to create the nation's largest trimerge credit report provider, executives at …Jun 13, 2022 | Press Release, Archive 2022. Xactus, the leading verification innovator for the mortgage industry, announced today that Michael Crockett has been named to the newly created role of Chief Data Officer. Crockett will develop and manage the data strategy for Xactus, including data-related functions such as data management, data ...This is the date of the last report the creditor gave to the credit bureau. 5. Date Opened and 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 and Account Types High Credit: This is the highest amount borrowed on this account. This shows ...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 ...Mar 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 ...Request a Xactus Mortgage Only Credit Report via Encompass To pull Mortgage Only as the initial credit-pull in Encompass, follow the below instructions. Navigate to the Credit Report Request window, enter your Xactus Username and Password.Select Mortgage Only for Report Type, ensure report options are accurate, then select Finish: . To access a …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 creates a clear market leader ...Credit ReportX 06/27'2023 Co-Borrower aco vs 627 ] XACTUS TEST ACCOUNT 370 Reed Road. suite Broomall, PA Jcnatnan Snow 123-12-3333 N Pole. Milford. CT 06460 TransUnion aco 568 Clint Code: Loan Borrower 697 ID: TransUnion 0612712023 5203.911 S36.327 so s240.238 Fraud Messages ID MISMATCH ALERT: SURNAME DOES NOT …XACTUS TEST ACCOUNT Customer Code: 370 Reed Road, Suite 100 Requested By: Broomall, PA 19008 . Loan Number: UCS1234KH . Katy Howell : Ordered: 05/26/2022 . ... Credit Bureau certifies that this Merged Mortgage Credit Report (MMCR) meets the guidelines as set forth by the Consumer Data Industry Association (CDIA). This report contains ...If you leave our website before entering the verification code, you will have to restart the registration process. If you experience any issues, please contact our office directly or e-mail us at: [email protected]. This communication is from a debt collector. Any information obtained will be used for this purpose.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.Start by logging into Xactus and opening your borrowers file from the main page. 2. Under Requests History, you will find the supplements requested and their status. ... Order Business Credit Report Order Undisclosed Debt Notifications Order Liens and Judaments Reoort Tools Documentation Requests Total cost for borrower Management Reports FileGreg 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 ...12/11/2019. Blog. Inquiries can appear on your credit report for several reasons. Inquiries, sometimes referred to as "pulls," are requests to view your credit history. There are two types of inquiries that will appear on your credit report — hard and soft. A soft inquiry will often show up if you pull your own credit report using a ...Tri-merge Credit Reports. Xactus' credit reporting solving enable lenders to creates a more efficient workflow and enhancements their consumers' digital experience. Build a Modern Mortgage Experience with the Select Credit Tools ...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 ...Credit reports list a history of your finances. Learn how to request credit reports, what information they include, and how lenders and other organizations may use them. How to get a copy of your credit report. What information is on your credit report. Who uses credit reports and why.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 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 ...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 ...Now private money and commercial lenders can know more about their borrowers faster. Salisbury, MD, April 9, 2021 - Credit Plus, a leading provider of business credit reports and a complete ecosystem of business intelligence data, today announced it has integrated with LendingWise, a LOS software platform that serves the commercial lending and private money lending industries.President. Shelley Leonard serves as President of Xactus, and a member of the Board of Directors. With over two decades of experience developing and delivering technology solutions to the country’s top mortgage lenders and servicers, Shelley is steering the company to drive the transformation of the mortgage verifications industry with its …Meet Xactus' Award Winning Executives. May 16, 2023 | Blog. Both in 2022 and 2023, several of Xactus' executives were recognized for their achievements and many contributions to the mortgage industry. These individuals include Shelley Leonard, President; James Owens, Chief Technology Officer; Julie Wink-Davis, Executive Vice President ...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 ...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.Open the borrowers credit report and scroll down to the CREDIT section. Click on the blue link which displays the name of the creditor to update. Like above, specify what exactly needs to be updated. If extra information is needed, please type it in the Additional Instructions box. Click on Browse to attach any documents for theUniversal Credit Services | 400 followers on LinkedIn. Providing data and services for the entire loan life cycle. | Universal Credit Services, a Top Ranked, National CRA providing Merged Credit ...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.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.Contact the lender directly. The contact information will be in your report. Ask the lender to confirm the account information and inquiry. If the lender can't confirm the account or if the inquiry was made in error, ask them to send a letter directly to each credit reporting agency that shows the inquiry to remove it from your credit report.Xactus’ credit experts will validate your rescore request prior to bureau submission to ensure the desired score result is achievable before you incur rescore costs. Obtain rescore updates rapidly Xactus’ credit experts work with Equifax, Experian, and TransUnion to quickly update credit information, typically within 3-5 business days.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 100Compare 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 reportEnter Xactus and Password Report Type: UDN Order M ethod: Activate If you previously ordered credit for the borrower, the Start Date will be defaulted to the date of original credit report pull and the file number will be prepopulated. If no credit was previously pulled, or if you wish to change the date, enter the date to begin monitoring ...Also, let your customer know someone from Xactus will be calling. Credit Cards Ask for the full 15 digits or 16 digits of the card as the credit report only shows their member number. If you see 12 numbers, ask for last four. Most credit card numbers are 16 digits. MortgagesCredit Scores: Displays the score for each bureau, the score model used, and any score improvement opportunities through Credit Assure. Credit Summary: Summarizes …We've partnered with Universal Credit Services (UCS) to obtain reports for your clients quickly and efficiently. When you order a report through NextChapter, we automatically import the creditor data directly into the case from a tri-merged report from all 3 bureaus: Transunion®, Equifax® & Experian®. ... Individual credit report charges ...3. Once the VOE is completed, the report can be viewed or downloaded from the Available Credit Reports section. In some cases, the report is available in HTML and PDF format. 4. Additional orders for this borrower can be located on the left-hand side. PLEASE LET US KNOW IF YOU HAVE ANY QUESTIONS OR CONCERNS AND WE WILL BE HAPPY TO HELP.PHILADELPHIA, 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 ...The page timed out while loading. Are you sure you're still connected to the Internet?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 ...Your credit report can be a big, confusing animal. We've written about how to interpret it, but ReadyForZero reminds us of an often overlooked part of your report: reason codes. Fi...Xactus is dedicated to offering unmatched customer service. Thank you for contacting us and we will be in touch soon.UniversalCIS has over 4,000 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. UniversalCIS prides itself on the best technology, solutions, and service in the industry. UniversalCIS was created through the merger of Universal Credit Services, CIS Credit Solutions, and Avantus.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 ...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 now include soft credit inquiries.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.The case centers on Xactus' inability to reconcile conflicting information from various Credit Reporting Agencies (CRAs), resulting in erroneous reports that negatively affected the customer. The lawsuit notes that Xactus had reported that the customer's paid charged-off Capital One account had a past due amount of $2,147.Jun 13, 2022 | Press Release, Archive 2022. Xactus, the leading verification innovator for the mortgage industry, announced today that Michael Crockett has been named to the newly created role of Chief Data Officer. Crockett will develop and manage the data strategy for Xactus, including data-related functions such as data management, data ...The case centers on Xactus' inability to reconcile conflicting information from various Credit Reporting Agencies (CRAs), resulting in erroneous reports that negatively affected the customer. The lawsuit notes that Xactus had reported that the customer's paid charged-off Capital One account had a past due amount of $2,147.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. With Xactus, its comprehensive suite of verification services, lenders can successfully close more loans and better manage their …It's sad they can just do that. Terrible company. I was informed that they would only perform a soft inquiry—nope—two hard inquiries from them on my report now, and my score went down 25 points. They keep putting hard inquiries on my account. I have no idea who they are, but it is lowering my credit score.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 [email protected] xactus.com. Our Enhanced Platform Empowers You to: 370 Reed Rd., Suite 100 Broomall, PA 19008 (888) 212-4200 [email protected] xactus.com ... 30 days of each other into one joint credit report Repull a bureau into an existing report Shorten turn times for supplements & score optimization requestsXactus' innovative mark optimizing technologies enable you to: Compose a detailed analysis of consumers' credit scored quickly and easily. Simulate changes toward credit files and predict the credit scores such allowed result when those changes are implemented. Automatically generate a consumer-friendly optimization create to share with ...1. Personal information. Identity information on your reports may include your …. Name. Social Security number. Date of birth. Address. Phone number. If you find incorrect identity information on one of your credit reports, you can file a dispute or an update with the reporting credit bureau to change it.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 ...Xactus. 1,857 followers. 1y Edited. We are excited to introduce Xactus (pronounced "Zact-us"), the leading verifications provider dedicated to advancing delivery of the Modern Mortgage ...February 27, 2024, 11:10 am By Connie Kim. Mortgage technology firm Xactus named Michael Crockett as its chief operating officer. He previously served as the company's chief data officer. In his ...Credit Score Disclosure XACTUS TEST ACCOUNT 370 Reed Road, Suite 100 Broomall, PA 19008 Applicant Nancy Blue 200 Cider Brook Dr Appletown, CT 06477 Report ID 43534043 ... Questions regarding your credit report should be directed to TRANSUNION, EXPERIAN or EQUIFAX. You will find their contact information below: TransUnion P. O. …HW Tech100. Xactus is making its mission to transform the mortgage industry by creating easy-to-use, innovative and customizable technologies — and delivering the verifications and credit data ...Date 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 ...370 Reed Rd Ste 100, Broomall, PA 19008-4019. Email this Business. BBB File Opened: 7/8/2004. Years in Business: 32. Business Started: 1/1/1992. Business Started Locally: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 ...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 ...Xactus’ National Tenant Screening Program validates rental and lease applicants by providing background searches and verification reports for consistent, auditable tracking that protects your company. It includes a national criminal search, national eviction search, SSN search, and single bureau credit report with FICO or Vantage score.Today, consumers demand the mortgage process be a fast, easy, and seamless digital experience. To make this a reality, we brought together seven of the nation’s leading mortgage verification companies to form a new company; one with a 75-year track record, over 6,500 clients, 360° U.S. Coverage, and 500+ employees—all focused on Advancing ...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.Jun 13, 2022 | Press Release, Archive 2022. Xactus, the leading verification innovator for the mortgage industry, announced today that Michael Crockett has been named to the newly created role of Chief Data Officer. Crockett will develop and manage the data strategy for Xactus, including data-related functions such as data management, data ...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 ...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 ...Your credit score is a number that reflects the information in your credit report. Your credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors. Your credit score can change, depending on how your credit history changes. How we use your credit scoreXactus' National Tenant Screening Program validates rental and lease applicants by providing background searches and verification reports for consistent, auditable tracking that protects your company. It includes a national criminal search, national eviction search, SSN search, and single bureau credit report with FICO or Vantage score.Through Xiris Valuations, Xactus delivers value-added property appraisal solutions that help lenders balance the need for compliance with appraisal quality. With Xiris Valuations, you have built-in peace of mind knowing your appraisers are operating with full independence. Plus, our suite of products enables you to customize the appraisal plan ...Getting Your Free Experian Credit Report. You can request your personal report free weekly at www.annualcreditreport.com. You can also get your free credit report from Experian at any time. And, if you want to track changes to your report and be alerted to new information, you can subscribe to a credit monitoring service to get unlimited access .... Free Credit Reports. You may already know that tValidate Consumers’ Social Security Numbers. Xactus helps lenders de Credit Plus Named Top Mortgage Employer 4th Year in a Row Feb 3, 2020 | In the News National Mortgage Professional announced that Credit Plus was named to its 2020 Top Mortgage Employers list.And LexisNexis® RiskView™ Pending & Judgments Report by Xactus provides technology developments so fix the measurement and timeliness of lien and civil judging data. Xactus' solution can assist you maintain your competitive edge without adding the price of recalibrating choose fitting. CIC Credit's service team gives you step-by-step guidance This is the date of the last report the creditor gave to the credit bureau. 5. Date Opened and 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 and Account Types High Credit: This is the highest amount borrowed on this account. This shows ...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 ... It's sad they can just do that. Terrible compa...
Continue Reading