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.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 ...Equifax: You can dispute online or by mail to Equifax Information Services, LLC, P.O. Box 740256, Atlanta, GA 30374-0256. Dispute over the phone at (866) 349-5191. Experian: You can dispute ...Equifax: You can dispute online or by mail to Equifax Information Services, LLC, P.O. Box 740256, Atlanta, GA 30374-0256. Dispute over the phone at (866) 349-5191. Experian: You can dispute ...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.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.9. Credit History a. Whose: B: Account returns from repositories under borrower's name C: Account returns from repositories under co-applicant's name J: Account returns from the repositories under both applicant and co-applicant names b. ECOA: This code is used to identify the responsible party for public records, inquiries, alerts and tradelines.A proposed class action claims that Xactus, formerly known as Credit Plus, violated the FCRA by publishing conflicting and false data from other credit …Xactus360 is a web-based platform for managing and tracking legal matters. Log in to access your cases, documents, and reports.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 ...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 100Today, 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 ...Our expertise in the mortgage industry enables us to quickly assess current and future needs, and provide new solutions for a rapidly changing environment. We move mortgage professionals forward. Xactus offers TMC Members discounts on various credit & verification solutions including: Tri-Merge Credit Reports. VOE's & VOD's. Flood Certification.The consumer may also complete a dispute removal directly and contact the creditor reporting the dispute, the reporting credit bureau, and or www.annualcreditreport.com to advise that they are no longer disputing the account.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.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 ...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 ...Customize 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 44557232The consumer may also complete a dispute removal directly and contact the creditor reporting the dispute, the reporting credit bureau, and or www.annualcreditreport.com to advise that they are no longer disputing the account.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.Credit File Potential TransUnion score change of +28 points with Credit Analyzer View Invoice Close FILE 9244920 APPLICANT: ANDY A AMERICA - *** WEB / PDF / Prequal Analyzer Other Reports Credit Analyzer What-if Simulator Comparison Report Request Suzp ement VIEW REPORT ADD-ON PRODUCTS REF 07820 1805000046 742 TU: …UCS grew to be one of the largest National providers of mortgage services, lending services and tri-merge credit reports by consistently providing the industry’s top customer service. I will ...Credit Plus is now Xactus. We 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.Explore employer support and available accommodations for people with disabilities. Find out what works well at Xactus from the people who know best. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. Compare pay for popular roles and read about the team's work-life balance.Universal Credit Services - Now Xactus. 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.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 TEST ACCOUNT 370 Reed Road. suite PA Jcnatnan Snow 123-12-3333 N Pole. Milford. CT 06460 TransUnion aco 568 3 370 Suite PA mo-g42.g451 100% Ordered : 4843483B ¥5 50 Credit ReportX Refresh Report 06/272023 Co-Borrower TransUnion XAC2022 aco [ 627 ] Clint Code: LOffi Borrower 697 ID: Author:Credit Scores F CO Lending Experian 642 Experian 732 27 Date Credit Report Summary 76 48 Credit Report Details D: 44023528 Merge Available Credit Reports Report Type M M M M M M 10-07-2022 PM 10-10-2022, AM Format 10-07-2022. -v 10-07-2022. -v xactus360 Home Dashboard Account My Reports UDM Business Report Management Repons Preterences SSN SSNVThis question is about What Is an Installment Loan? @grace_enfield • 09/16/22 This answer was first published on 09/16/22. For the most current information about a financial produc...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.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 is also a leading provider of business data and intelligent insights that are necessary for companies to make more informed credit decisions and build their businesses. Our technology offers access to business credit reports, business owner reports and more.Xactus360 is a web-based platform for managing and tracking legal matters. Log in to access your cases, documents, and reports.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 …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 ...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 ...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.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.Michael Delaporta serves as Chief Architect for Xactus, managing all aspects of the Xactus360 industry-leading verifications and credit technology platform. Michael began his career with the Credit Bureau of Connecticut and sister company Avantus in 1993, and has served as the chief technology platform architect since 1995. Over the last 25 ...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 ...Be advised: Pulling your credit report doesn't really hurt your score. Learn why pulling your credit report can be a good thing and what harms your score. Advertisement Does the s...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 ...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) 212-4200May 2, 2024 · Apr 2, 2024 | Press Release, In the News. Broomall, PA – April 2, 2024 — Xactus, the leading verification innovator for the mortgage industry, announced today that Thomas Gallucci has joined Xactus as EVP, Strategic Sales. In this position, Gallucci will play a key role in growing business around non-credit...Mar 17, 2021 | Press Release, Archive 2021. Investment from Lovell Minnick to Provide Significant Capital for Strategic Growth and Continued Acquisition Strategy PHILADELPHIA, LOS ANGELES, NEW YORK - MARCH 17, 2021 — UniversalCIS (the "Company"), a market-leading, technology-enabled provider of credit data and... « Older Entries.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 reportOur expertise in the mortgage industry enables us to quickly assess current and future needs, and provide new solutions for a rapidly changing environment. We move mortgage professionals forward. Xactus offers TMC Members discounts on various credit & verification solutions including: Tri-Merge Credit Reports. VOE's & VOD's. Flood Certification.XACTUS TEST ACCOUNT 370 Reed Road. suite PA Jcnatnan Snow 123-12-3333 N Pole. Milford. CT 06460 TransUnion aco 568 3 370 Suite PA mo-g42.g451 100% Ordered : 4843483B ¥5 50 Credit ReportX Refresh Report 06/272023 Co-Borrower TransUnion XAC2022 aco [ 627 ] Clint Code: LOffi Borrower 697 ID: Author:3. Select your credit agency and report type as well as marking each bureau needed. Then, choose a Request Type. Order New Report - Orders a new credit report. Re-issue Existing Report - Imports an existing report of a particular file number. Upgrade Existing Report - Add bureaus to an existing file and upgrade to include a co-borrower.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.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.Xactus is the leading verification innovator for the mortgage industry. We work closely with clients to digitally integrate a 360° approach to verification across workflows. ... At Xactus, we serve over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers, and we operate 12 centers ...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 ...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.Xactus Announces James Owens as Chief Technology Officer. May 2, 2022 | Press Release. 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...Universal Credit Services - Now Xactus. 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.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.A letter of explanation for derogatory items on a credit report should explain the circumstances that caused any late payments and why future late payments will not occur, accordin...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 ...xactus>l Advancing the Modern Mortgage Credit Report Actions: Copy Report to New Report ID Swap/Remove Borrower Order Update/Supplement ... 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 xactus360the credit report: The Trade Supplement screen will display . Check the appropriate checkboxes, enter your request reason in Additional Instructions, include a phone number and email address for the applicant, upload supporting documentation for the request, including borrower authorization. When you haveXactus creates easy-to-use, innovative and customizable technologies, delivering the verifications and credit data solutions lenders need to close more loans more quickly.Universal Credit Services - Now Xactus. 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.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 ...If you didn't authorize the hard inquiry, you can call the creditor to check on why your credit was run. The creditor's name should be listed under the hard inquiry section of a credit report. You may have to do some searching online to get their contact information, or you could call the credit bureau to get more detailed information from it.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 ...Xactus won the 2023 ICE Lenders' Choice Award for working with ICE Mortgage Technology customers to access verifications for credit, employment, Social Security, and undisclosed debt all within Encompass. They've worked with ICE customers, The Federal Savings Bank and Mutual of Omaha Mortgage, to improve their access to order data points ...XACTUS TEST ACCOUNT 370 Reed Road. suite PA Jcnatnan Snow 123-12-3333 N Pole. Milford. CT 06460 TransUnion aco 568 3 370 Suite PA mo-g42.g451 100% Ordered : 4843483B ¥5 50 Credit ReportX Refresh Report 06/272023 Co-Borrower TransUnion XAC2022 aco [ 627 ] Clint Code: LOffi Borrower 697 ID: Author:When credit is ordered by the consumer, an email is sent to the email address(es) input in this field, providing the contact information of the consumer and a link to view the credit file. 13. Credit Radar/Assure: if this option is configured for your company, check this box to send the Credit Radar/Assure report directly to the consumer. 14.May 2, 2024 · Apr 2, 2024 | Press Release, In the News. Broomall, PA – April 2, 2024 — Xactus, the leading verification innovator for the mortgage industry, announced today that Thomas Gallucci has joined Xactus as EVP, Strategic Sales. In this position, Gallucci will play a key role in growing business around non-credit...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.To get a copy of your credit report with an ITIN from Experian, you can submit a request with specific required information in writing. [5] If you have an ITIN rather than an SSN, Experian will rely on other identification elements to compile your credit history. If you need help, call Experian at (888) 397-3742.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 ...When credit is ordered by the consumer, an email is sent to the email address(es) input in this field, providing the contact information of the consumer and a link to view the credit file. 13. Credit Radar/Assure: if this option is configured for your company, check this box to send the Credit Radar/Assure report directly to the consumer. 14.Xactus' score optimization suite gives your gang access to the latest online tools furthermore our credit score experts. Build the Modern Car Experience with Review Technology That Aids Consumers Our rating tools aid it qualify more consumers additionally put them on the path to homeownership.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?Paul was elected to Congress at age 28 and represented Wisconsin's First District for two decades. He was named a professor-of-the-practice at the University of Notre Dame for the 2019-2020 academic year. He holds a degree in economics and political science from Miami University in Ohio and was awarded an honorary doctorate by the university.The bureaus already have this information, and if they don't, many sources will provide it to lenders. 370 Reed Rd., Suite 100 Broomall, PA 19008. (888) 212-4200 [email protected]. xactus.com. How can lenders delay the inevitable trigger? Lenders can pull credit as a soft inquiry using Xactus' Pre-AppX report, which does not result in a trigger.#1) Select Order Liens & Judgments Report from the Main Xactus screen, under Credit Verification tools: Complete all, Xactus’ solution can help you manage your competitive edged absent adding the effor, VerisiteX is an innovative mobile solution that utilizes cutting-edge technology to pro, Mar 17, 2021 | Press Release, Archive 2021. Investment from Lovell Minnick to Provide Significant Cap, About Xactus. Xactus is a company focused on verification innovation within the mortgage industry. The company offer, The Tenant Credit Score Card, available with each credit report, also includes a r, We have come together to create the leading. verification innovator fo, Xactus' innovative mark optimizing technologi, X360 Landing Page | Xactus. Xactus360 is an innovative, easy-to-use, Universal Credit Services - Now Xactus Reed Road d, UniversalCIS, a market-leading, technology-enabled provider of credit, Credit report pulls are a common part of most of our, Credit Plus, the leading verifications provider for the mortgage, Factual Data is not involved in deciding why your , Pull soft credit inquiry on consumer Can be pulled as a , View how to videos and detailed instructions on order, Comprehensive Training Resources. We provide the training tools and , Xactus. Xactus is the leading verification innovator for the m.