I am very disappointed to see on my credit report that XACTUS has illegally pulled 4 hard inquiries without my approval and certainly without my knowledge. The inquiries were pulled on Feb 14 ...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 ...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 ...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.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 ...We would like to show you a description here but the site won't allow us.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.Commercial Drivers can request a free copy of a DAC report online from HireRight. Under the Fair Credit Reporting Act, truckers have the right to request one free DAC report each y...CreditXpert Logo. "Having Xactus connected to our new platform means that thousands of bank and non-bank mortgage originators can easily integrate credit optimization into their operations," said ...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.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: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.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.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 ...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 innovative credit and data solutions and digital ...Navigate to the credit file screen, locate ADD-ON PRODUCTS on the right of screen. Click on . Spouse. If the Spouse option is not available, possible reasons include: 1. The original report is over 30 days old. Order a new file as a joint report. 2. The original report was ordered by another use and you do not have r ights to modify reportsCredit Report Legend 1. ECOA Codes A: Authorized user - A joint account where the borrower is an authorized user, but has no contractual responsibility. I: Individual account - An account solely for this borrower. B: Borrower's account - An account solely for the borrower. C: Co-borrower's account - An account solely for the co-borrower. J: Joint account - An account for which both spouses are ...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 …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 ...Get leading lending technology and credit reporting solutions from Xactus. Integrate consumer your and reporting seamlessly. Reduce risk in decisions.This LexisNexis® RiskView™ Liens & Judgments Report from Xactus provides technology advancements ensure improve the accuracy and timeliness of lien and civil judgment data. Xactus' solution cannot help you hold your competitive edge unless adding the expense of how your models. ... Broad Coverage: Obtain the same federal coverage that ...Tax TranscriptX from Xactus are easy to read and an inexpensive way to retrieve tax transcripts as another way to authenticate a consumer's income. Our experience and relationship with the IRS ensure that you will receive your tax transcripts fast. Our proprietary quality control system reviews each order for completeness and readability ...Earlier this year Xactus was named an ICE Mortgage Technology Innovation Award winner for Lender's Choice - Innovative Service Provider.... 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.Xactus is a new credit data and origination platform that streamlines the credit process for businesses of all sizes. Introduction. The credit industry is one of the most critical industries in the global economy. With so many people applying for credit, those who manage this industry must keep up with the times and find creative ways to ...Cactus Credit was founded with one goal in mind, to offer loans with simple terms and easy monthly payments. Unlike title lenders and payday loan providers, we never aim to trap our customers in debt. Our installment loans can be paid off easily in just a few months.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 ...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.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 ...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.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:View how to videos and detailed instructions on ordering our services through our legacy systems.As of 2015 the main address of TransUnion is P.O. Box 6790, Fullerton, California, 92834. The main address of Experian is P.O. Box 9530, Allen, Texas, 75013. The primary address of...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 ...If you are a Xactus customer seeking assistance, please select from the following choices: Customer Favor. Credit reports, supplements, lien and judgements, etc. [email protected] Xactus360: 800.243.0120 x 2000 Legacy: 800.258.3488 x 1411.646-818-9040. [email protected]. Company Contact. Perry Steiner. Chairman and CEO. [email protected]. UniversalCIS, a market-leading, technology-enabled provider of credit data and related origination solutions in the mortgage industry, and Credit Plus, a leading provider of mortgage verifications and business credit reports, today ...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.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...RiskView™ Liens & Decisions Report; Credit Reporting Answers that are Advance the Modern Mortgage; Build Underwriting Requirements into Credit How Workflow; ... Xactus provides tri-merge credit reports with various assigns and features that can can customized to your workflows.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.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 ...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.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 ...and password by clicking LOGIN INFORMATION. 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 Check the box next to the bureaus needed and when complete, click Finish. 4. A small window will appear as the report is loading.UCS/Xactus removing their hard inquiry is the only way to restore those credit points for the next THREE YEARS!Remove your unauthorized hard inquiry and give me back my credit points, UCS/Xactus!!!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 ...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.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.Credit reports contain a wealth of information. Potentially harmful information, such as a slow payment history, a repossessed car or a charged-off loan, can make lenders and insur...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 ...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 ...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 ...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 information supplied by the repositories listed on the report and may also contain duplicate information.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.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 ...3. The Credit Report Request screen will first ask for your username and password. Then, make the selections for the report needed. Request Type: • New Report - Orders a new credit report. • Import From Website - Imports an existing report of a particular reference number.Latest News. Residential Mortgage. UniversalCIS | Credit Plus Shifts Strategies with Rebranding as Xactus. By. Ariana Fine. - March 1, 2022. 1. Perry …RiskView™ Lien & Judgments Report; Credit Reporting Solutions that are Advancing to Modern Mortgage; Incorporate Underwriting Requirements to Believe Report Workflow; ... Xactus provides tri-merge credit reports with various attributes and feature is can be customized to your workflows.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 …UniversalCIS, a market-leading, technology-enabled provider of bank data plus related origination solutions in the mortgage diligence, today announced its acquisition of the Lending Solutions and Rating Management Sections of Data Facts, a public plus international consumer reporting company.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 ...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 andBuilding and maintaining a solid credit score involves more than checking your credit reports on a regular basis. You also want to have the right mix of credit accounts, including ...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 ConsumersAbout Xactus. Xactus is the leading verification innovator for the mortgage industry. The company has over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. Xactus collaborates closely with its clients to digitally integrate a 360° approach to verifications across their workflows.Desktop Underwriter ® (DU ®) early assessment gives lenders more options for their pre-qualification process in DU. Lenders can submit a single soft pull credit file and receive a conditional DU recommendation, which can determine homebuyer preparedness and mortgage options earlier while consumers are spared the impact of a hard credit check.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 GSEsMeet 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 …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 ...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.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.In compliance with section 326 of the Patriot Act, your credit provider has checked the applicant(s) name(s) supplied by the borrower against the Office of Foreign Asset Control (OFAC) data base maintained by the Department of the Treasury. Any messages returned by your credit provider are located in this section of this credit report.Customize Report Borrower r Nicke Green 100 Terrace AVE west Haven CT, Equifax 734 Format Co -Borrower Add Cc-Sorrower 742 Scores F CO Summary Details TransUnion 720 33 25 Experian [732 Completed: Completed 07-18-2023, 10:27 37 AM 07-18-2023, 10:30 52 AM Credit ReportX : Available Reports Date 07-18-2022, 07-18-2022. Report TypeAfter clicking Order, the report will process fo r a few moments and then you will be returned the the Credit File screen, from which you can view or print your report. If the report has been ordered previously, a Duplicate Report Detection warning will appear, from which you can choose to view a previously ordered report or order a New Report.. Incorporate Underwriting Requirements into Credit Report Workflow; NeRiskView™ Liens & Decisions Report; C 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.RentGrow on your credit report? If you applied to live in a rental property, your landlord could have run a hard credit check during your application. By clicking "TRY IT", I agree... RiskView™ Liens & Judicial Report; Credit Reporting S Data Services for Private Mortgage Lenders. Credit Plus offers more than 160 intelligent, time-saving products and services designed to help mortgage professionals succeed as they serve their clients better. Our expert customer support team operates like a consultant, guiding mortgage professionals toward more loan closings. A letter of explanation for derogatory items on a credit report sh...
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