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 SSNVThe 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.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 ...There are three separate reports that will help you meet your goals of preventing mortgage fraud and protecting your business and reputation. The Consumer Detail Report. Xactus’ standard report validates a consumer’s identity, including name, address, Social Security number, birth date, and phone number. It can also be customized to provide ...Jul 10, 2020 · Credit Plus Announces Integration with Day 1 Certainty® Services from Fannie Mae. Authorized Report Supplier Integrates Income and Employment Verifications with the DU Validation Service. Salisbury, Md., July 10, 2020 – Credit Plus, a provider of reliable data and verifications for all stages of the mortgage lending process, announced today ...Kevin Ryan serves as the Chief Financial Officer of Xactus. In this role, Kevin is guiding the firm's efforts to streamline its finance and accounting operations. He is also leveraging his extensive experience in data analysis and data management to build a robust, enterprise-wide analytical infrastructure for Xactus. Prior to joining Xactus ...Download an existing Credit Report – to download an existing Merge Credit Report. The Report Id will be prefilled in the Reference number field. • Add Bureau – to upgrade a 1 or 2 file Merge Credit Report • Retrieve an Existing Credit Report – to retrieve a credit report pulled outside of Encompass. Enter the Report Id in the ...About Xactus. Xactus is a company focused on verification innovation within the mortgage industry. The company offers a range of services including credit solutions, verification services, fraud detection, property solutions, score optimization, and data solutions, all aimed at streamlining workflows and enhancing the efficiency of mortgage processes.Credit Plus Announces Integration with Day 1 Certainty® Services from Fannie Mae. Authorized Report Supplier Integrates Income and Employment Verifications with the DU Validation Service. Salisbury, Md., July 10, 2020 – Credit Plus, a provider of reliable data and verifications for all stages of the mortgage lending process, announced today ...I don't think that's gonna change now. $25 credit report fee. My company has been passing the cost onto the borrower for a few months now. Its flowing from FICO. FICO (the company) revenue increase by $67,185,000 (by 9.5%) in fiscal year 2023 over FY 2022 while operating costs increased by only $5.5mm.Removing SYNCB/TJX CO DC from Your Credit Report. The first option is to initiate a dispute process with the credit reporting agency. This requires submitting a dispute letter that explains why the inquiry is inaccurate and requests its removal from your credit report. However, this option can be tedious and frustrating, particularly if your ...Credit Plus, the leading verifications provider for the mortgage industry, announced today its new name, Xactus, marking a new beginning for the company. The comprehensive initiative includes the creation of a new logo, website, key messages, and tagline, “Advancing the Modern Mortgage,” which speaks to Xactus’s focus to be an innovative and transformative force in the mortgage industry.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 ...Enter 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 ...Import credit reports directly into the schedules by pulling a credit report for your client through NextChapter's seamless credit report integration. 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 ...Customer Service. Credit reports, supplements, lien and judgements, etc. [email protected] Xactus360: 800.243.0120 x 2000 Legacy: 800.258.3488 x 1411CIC Credit's service team gives you step-by-step guidance from the setup through the entire process and final results. We'll also provide updates with monthly and quarterly credit management reports. CIC has special programs and technology in place to help clients stay compliant with industry regulations, EEOC guidelines, FCRA, FACTA Act ...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 ...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 ...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 ...• New Report – Orders a new credit report, or add frozen bureaus to an existing file, add a co-borrower. • Upgrade – Add bureaus to an existing file. ... 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 AMRemoving SYNCB/TJX CO DC from Your Credit Report. The first option is to initiate a dispute process with the credit reporting agency. This requires submitting a dispute letter that explains why the inquiry is inaccurate and requests its removal from your credit report. However, this option can be tedious and frustrating, particularly if your ...The only way to get the true account number for update purposes is to have the consumer request the Credit Verification Release Form from AMEX by calling 800-874-2717. Before submitting a request to the credit repositories for an update to an American Express account, Xactus must first have a Credit Verification Release Form. AMEX provides this ...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.Gain leading loaning technology and credit write solutions from Xactus. Integrate uses data and reporting without. Reduce risk in decisions.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 ...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 ...Broomall, PA – October 5, 2023 – Xactus, the leading verification innovator for the mortgage industry, announced today that Appraisal FirewallX is capable of fulfilling orders from lenders supporting Fannie Mae property data collection and Freddie Mac’s Property Data Report (PDR).It is connecting mortgage lenders with vetted and trained property data collectors …ACCT TYPE: type of account by code. CREDIT LIMIT: reported high credit limit for the account. TERMS: term of repayment granted by the creditor. BALANCE: outstanding amount on the account. PAST DUE: amount that's past due. MO PMT: monthly payment for the account. MO REV: number of months the account has been reviewed.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 ...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.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 serUniversal 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 Karma's free credit monitoring tool can help you stay on top of your credit and catch any errors that might impact your scores. If we notice any important changes on your Equifax or TransUnion credit report, we'll send an alert so you can review the changes for suspicious activity.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 ...Salisbury, Md., December 12, 2019 - Credit Plus, a provider of reliable data and verifications for all stages of the mortgage lending process, announced today that has integrated with Volly, a leading provider of SaaS-based Marketing Automation, CRM and POS solutions for banks and mortgage companies. The integration allows loan officers to simplify their mortgage process by submitting a loan ...VerisiteX is an innovative mobile solution that utilizes cutting-edge technology to provide interior/exterior photo and video inspection property reports within minutes as well as collateral valuation data - which reduces costs and improves workflows. Homeowners, borrowers, appraisers, inspectors, real estate agents, and other property data ...PayNet ® provides data on small and medium-sized businesses through its Credit History Report (CHR) and the Master Score ®. The CHR offers real-time credit ratings, presenting a concise summary ...Our guide discusses how to remove negative items from your credit report, which involves getting a copy of your credit report, filing disputes letters with the main bureaus and mor...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 ...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 ...How 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 …This includes a list of your open credit card accounts and how much you owe on them. It also lists your open loan accounts - including mortgage, personal, student and car loans - and the balances on them. A tri-merge report will also list any late payments you've made on these accounts during the last 7 years.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 SSNVCustomize Report Applicant 123-00-3333 Equifax 734 Format Co-Applicant Add Co-Applicant 316,742 Fist Comp eted 01-06-2023, 10 34:02AM 01-06-2023, 10 34:OôAM Credit Nickie Green 100 Terrace Av west Haven, CT 06516 Scores Fico: TransUnion 730 Experian [732) Date Wayf : What-if": Lending Credit Report Summary 33 25 Credit Report Details 44557232Fraud ReportX, Xactus’ award-winning proprietary fraud risk detection platform, helps identify risk, fraud, and errors so you can feel comfortable with your lending decisions. Our one-stop validation process makes it easy for you to: Quickly validate data. Perform thorough risk assessments. Detect application problems early.M Report: Charting Rough Waters in the Mortgage Business Feb 9, 2021 | In the News When the coronavirus pandemic first took hold of our country last spring, and we found ourselves in lockdown, leaders of companies across the country were left to figure out how to encourage and inspire a remote workforce shaken and concerned about the future.corner or on the bottom left under Recent Requests you can click on credit then your file # 2. Once youare onthe main screen foryourconsumers file will see a drop down menu on the upper right hand side labeled Other Reports and can click on which ever report is needed. Xactus.com. 888-212-4200Helps 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 …Repeat the steps above to view the requested credit report. Click on the Report ID link. A pop-up will appear for you to login to Xactus. Enter your Xactus ID and Password. You will be entered into the Credit Report Detail page of the file within the Xactus site. On the left side of the page, click on the Order Updates link under the Actions ...Services > Credit Reports > Request Credit: On the following screen, ensure the Xactus division you obtain credit from, either Xactus appears in the Credit Agency field. Select Retrieve Updated Report under Request Type. Enter the file number for Credit Reference Number. Select if you wish to copy liabilities.The page timed out while loading. Are you sure you're still connected to the Internet?In-Platform Communication - Quickly and efficiently ask a question to the Xactus team directly on the credit file screen or on any open service request. In addition, Xactus360 captures and logs conversations in the files, so anyone accessing the file may check status and recent updates, improving workflow.Tenant Screening. Discover our various product resources that include credit, data solutions, verifications, property solutions, scoring tools, fraud detection/quality control, and tenant solutions.Floify’s integration with the Xactus interface enables loan officers to automate a portion of their mortgage process by automatically collecting a borrower’s credit …The Journey of Your Factual Data Through Xactus’ Systems. Imagine your credit data as a traveler setting off on an epic journey through the intricate pathways of Xactus’ systems. Each step is crucial to building up that comprehensive report. Xactus’ Role in the Larger Credit Reporting Landscape.Mortgage Lenders, Banks, Credit Unions and Small Businesses nationwide choose Universal Credit as their “Vendor of Choice”. UCS is an Authorized Report Supplier for Fannie Mae Day 1 Certainty ...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.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.Helps Lenders Streamline Workflows, Create Efficiencies with Single Login to Access Mortgage Credit and Pre-Qualification Reports. Xactus, the leading verification innovator for the mortgage industry, announced the next generation of its proprietary technology platform, Xactus360, further modernizing the mortgage process for lenders.. Xactus360's game-changing features allow lenders to ...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.We would like to show you a description here but the site won't allow us.Issue binding credit offers Bill consumers upfront for credit pulls Pull soft credit inquiry on consumer Can be pulled as a 1, 2 or 3 bureau *Please note: You can’t make a final underwriting decision without pulling a tri-merge hard inquiry with a FICO® score and trended credit data. . Why Use Pre-AppX?RiskView™ Liens & Judicial Report; Credit Reporting Solutions that are Advancing the Modern Mortgage; Incorporate Underwriting Requirements into Credit Report Workflow; ... Xactus provides tri-merge credit reports with various merkmal and functions that can be customized to respective workflows.CIC Credit's service team gives you step-by-step guidance from the setup through the entire process and final results. We'll also provide updates with monthly and quarterly credit management reports. CIC has special programs and technology in place to help clients stay compliant with industry regulations, EEOC guidelines, FCRA, FACTA Act ...Raiz Federal Credit Union uses VerisiteX and thinks it's a phenomenal tool that is easy to read and provides quick, helpful insights. But don't take our word for it. Here's what Rick Pustejovsky, AVP of Real Estate and Business Lending, had to say about the benefits of using this innovative mobile technology:The Refresh Report option allows the client to get an updated copy of the borrower's credit report through use of a "soft inquiry." This is generally done just before a loan is funded to ... Xactus.com. 888-212-4200. Author: Anthony Fulginiti Created Date: 1/27/2021 10:39:13 AM ...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 ...Discover our various product resources that include credit, data solutions, verifications, property solutions, scoring tools, fraud detection/quality control, and tenant solutions.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 ...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.Credit Plus, the leading verifications provider for the mortgage industry, announced today its new name, Xactus, marking a new beginning for the company. The comprehensive initiative includes the creation of a new logo, website, key messages, and tagline, "Advancing the Modern Mortgage," which speaks to Xactus's focus to be an innovative and transformative force in the mortgage industry.We use cookies to help give you the best experience on our site. If you're okay with that, keep browsing. Read our cookie policy here.Importing a previously-pulled Xactus Credit Report into Encompass Note: For importing specific files, you must have the Xactus file number. Open the desired loan file and navigate to the Credit Report equest window. Enter Xactus Username and Password Order Method: Import from website File Number: enter Xactus file number Choose Finish: . View the Credit Report in theThrough 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 ...View how to videos and detailed instructions on ordering our services through our legacy systems.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. This modern framework enables industry participants ...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 ...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 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 ...Upgrade Existing Report - add a bureau(s) &/or co-borrower to a report using the existing Xactus file number • Retrieve Updated Report - find an updated credit report using the existing Xactus file number, such as a report that was updated to show a higher credit score, different liabilities, etc. On the following screen, ensure your Xactus ...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 …Credit Plus' expertise in the residential and commercial mortgage industries enables it to quickly assess current and future needs and provide new solutions for a rapidly changing environment. Credit Plus moves mortgage professionals forward. For more information, please visit Credit Plus. Media Contact Allison Devaney 646-818-9040 [email ...Mar 1, 2022 · 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 ...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.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.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 ...3. Select your credit agency and report type as well as marking , Credit Plus, the leading verifications provider fo, Xactus ranked 21 st in the financial services sector Inc. revealed that Xactus is No. 288 on its annual Inc., The bureaus already have this information, and if they don’t, many sources will provide it to lenders. 370 Reed Rd., Su, Helps Lenders Streamline Workflows, Create Efficiencies with Single Login to Access Mortgage Credit and Pre-Qua, What can you do if there's a negative mark on your credit report that was placed there in error, through no faul, Credit Plus is now Xactus. We have come together to create the leading. verification innovator for the , I can be reached at 800-243-0120 ext. 236 to answer, The LexisNexis® RiskView™ Liens & Judgments Report from X, Get leading lending advanced and credit reporting solutions from Xac, View how to videos and detailed instructions on ordering our ser, We would like to show you a description here but the site won', Xactus can manually verify employment and income and p, Fraud ReportX, Xactus’ award-winning proprietary fraud risk detec, Step by Step Instructions. Go into the loan and assign a , Helps lenders reduce loan fallout, qualify more applicants and, Paul was elected to Congress at age 28 and represented Wi, 310-695-1413. [email protected]. Company Contact. Perry Steiner. Chai.