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 ...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. We have come together to create the leading.Xactus is the leading verification innovator for the mortgage industry, with over 6,500 clients including Rocket Mortgage and many of its third party origination partners. Our TPO partner program helps brokers make smarter lending decisions with core advantages designed specifically for their operations. At Xactus, we apply a 360 approach to ...Xactus Data offers tri-merge credit reports, pre-approval and pre-qualification reports, tradeline updates, and scoring tools for mortgage lenders. Xactus Data does not provide credit reports for consumers or businesses.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 ...Credit report pulls are a common part of most of our financial lives. A company may want to run one when you’re about to get a new loan or you’re asking for an increase to your cre...the ORDER CREDIT link under Products and Services > Credit Verification. 5. You will now see the order credit screen. Fill out the required information and click the order button. The report will take a few seconds to complete. Once complete you can click on the link that says view. Click "Order Credit" linkFraud 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.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 ...The International Credit Report is a manual report that takes approximately 4 - 8 weeks to complete. Rush requests will double the cost of the report. Please complete the attached International Report Request form. Please be aware that the more information you provide for confirmation, the more detailed the report returned.The company has over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. With eight operations centers across the U.S., Xactus ...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.Xactus Appraisal FirewallX: Powerful residential and commercial appraisal valuation management software that allows lenders to manage and customize their own appraisal processes with trusted, local appraisers and/or AMCs. It's integrated with numerous LOS systems such as Encompass® by ICE Mortgage Technology®.The Tenant Credit Score Card, available with each credit report, also includes a risk assessment module providing a "pass/fail or conditional" rating based on credit and income parameters you establish, as well as: History of default or slow payment; Debt load, existing financial hardships; Limited credit history; Identity theft or ...Re-pull Xactus credit through Encompass From the Loan screen for the applicant within Encompass, select the Services tab (bottom left menu), then select Order Credit Report.Alternatively, select Services from the top tool bar, then select Credit Report.From the Credit Report screen, select Xactus Information Services, then c hoose Submit: . On the Credit Report Request screen, selectXactus 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.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.Credit 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 …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 …08/23/2023 - The next generation of Xactus360 is here. It’s been configured to advance every aspect of your mortgage business. Xactus360 will help you rethink workflows, create efficiencies and streamline processes – while delivering an intuitive user experience unlike any other. Best of all, the technology platform revolves around you and ...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.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 ...As a crucial part of your loan tracking system, Portfolio MonitoringX solution can: Help guard your profits and loans. Mitigate portfolio run-off. Enhance your credit decisioning based on key account data. Monitor delinquencies. Choose between single bureau or tri-bureau monitoring. Receive alerts in real-time or within 24-hours.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.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 ...After 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.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 ...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.Helps lenders reduce loan fallout, qualify more applicants and capture more closed loans. Salisbury, Md., February 1, 2019 - Credit Plus, a provider of reliable data and verifications for all stages of the mortgage lending process, announced today that it has developed a suite of products, CloseCAPTURE, to assist mortgage lenders in reducing costs and closing more loans.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 ...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...3. The upgrade feature is used to add missing bureaus to an existing report. Start by, entering your user ID and password by clicking LOGIN INFORMATION. Then, make the selections for the report needed. Request Type: Upgrade Check the box next to the missing bureaus and when complete, click Finish. 4. A small window will appear as the report is ...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.We are proud to be the first third-party service provider with the credit integration," said Shelley Leonard, President of Xactus. Meet with Xactus at ICE Experience 24. Xactus is a proud Platinum Sponsor of the ICE Mortgage Technology Experience this year taking place March 18-20 in Las Vegas. Schedule a time to meet with us at the ...Doing Business As:UniversalCIS. Company Description:? Key Principal: Perry Steiner See more contacts. Industry: Business Support Services , Administrative and Support Services , Administrative and Support and Waste Management and Remediation Services , Credit reporting services. See other industries within the Administrative and Support and ...Over 1,000 banks, credit unions, and mortgage companies trust the BytePro platform to deliver efficiency and scalability in retail, wholesale, and correspondent channels. Contact Byte Software at 800.695.1008, or email [email protected]. www.bytesoftware.com. * Due to the COVID-19 outbreak, the IRS has temporarily …This award is a testament to the hard work and dedication of the Xactus team, who have consistently exceeded expectations as we strive to advance the modern mortgage. <Read more here> Congratulations to our own Vice President of Product Management Derek Bartley on his Progress in Lending award win for 2023 Next Gen Leaders! < Read more here >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 ...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 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 ...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 ...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.Consumer Disputes. If you are a consumer looking to dispute an item reporting on your credit report, please contact us at: Toll-free: (877) 224-8107. Consumer: [email protected]. ATTN: Consumer Assistance. 31550 Winterplace Parkway. Salisbury, MD 21804. Contact one of our Xactus support teams to get the right help & support.Get leading lending technology and credit reporting solutions from Xactus. Integrate consumer data and reported seamlessly. Remove risk in decisions. About Xactus; ... Pa. - April 43, 6511 - Xactus, an leading verified innovator for the mortgage industry, today announced that several of its verification services is now available via Dark ...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 ...Ross Gloudeman is Xactus' General Counsel and Chief Compliance Officer. He has over 15 years' of legal and compliance experience on both the tech services and lending services side, helping companies overcome unique regulatory challenges. He's using that specialty to strengthen Xactus' regulatory compliance framework and manage its ...Over 1,000 banks, credit unions, and mortgage companies trust the BytePro platform to deliver efficiency and scalability in retail, wholesale, and correspondent channels. Contact Byte Software at 800.695.1008, or email [email protected]. www.bytesoftware.com. * Due to the COVID-19 outbreak, the IRS has temporarily …The law allows you to access a free copy of your annual report every year from the three major credit bureaus (Experian, TransUnion and Equifax) through AnnualCreditReport.com. As a result of the financial fallout of the pandemic, you can get a free copy of your credit report every week from each of the three bureaus through April 2022. However ...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 ...Here you can access a variety of videos and how to instructions to help you utilize the tools and support Xactus makes available to you.Universal Credit Services - Now Xactus Reed Road details with ⭐ 64 reviews, 📞 phone number, 📅 work hours, 📍 location on map. Find similar financial organizations in Pennsylvania on Nicelocal.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.Medicredit is a collection agency. Having this on your credit report can be damaging to your score, here's how to remove them. By clicking "TRY IT", I agree to receive newsletters ...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...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 that it is an Authorized Report Supplier for its income and employment verifications which are now accessible through Fannie Mae's ...1 Credit Report Codes Credit Report and Status Codes 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.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 ...Ross Gloudeman is Xactus' General Counsel and Chief Compliance Officer. He has over 15 years' of legal and compliance experience on both the tech services and lending services side, helping companies overcome unique regulatory challenges. He's using that specialty to strengthen Xactus' regulatory compliance framework and manage its ...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.Nov 22, 2023 · A proposed class action claims that Xactus, formerly known as Credit Plus, violated the FCRA by publishing conflicting and false data from other credit agencies. The lawsuit seeks to represent anyone who suffered harm from Xactus's allegedly negligent reporting since 2018.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 44557232Kevin 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 ...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.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.Xactus (pronounced 'Zac-tus') is the leading verification innovator for the mortgage industry. We have over 6,500 clients ranging from the largest bank and non-bank mortgage originators to ...This 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...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...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...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 ConsumersStart 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 FileAfter 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.When you protect your assets with Xactus' advanced, cloud-based flood zone determination systems, you can save time, money, and worry. Our state-of-the-art Flood ReportsX use parcel data and building footprints to deliver automation rates of over 90% without sacrificing accuracy. And when manual assessments are needed, our expert mapping team ...Sign in. Ask xactus-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 different fo rmat of the mortgage o nly report ...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 ConsumersUpdated: 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.Medicredit is a collection agency. Having this on your credit report can be damaging to your score, here's how to remove them. By clicking "TRY IT", I agree to receive newsletters ...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 ConsumersBroomall, 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 ...Credit reports and verification services can be customized to drive consistency in workflows, identify fraud, automate decision making, and manage risk & retention triggers in client portfolios. The endless customization options that Xactus360 has to offer enable competitive advantages in processing, speed-of-response, security, compliance, and ...You are not logged into Xactus360.Please log in.This LexisNexis® RiskView™ Rights & Judgments Report of Xactus provides technology advancements that improve the accuracy and timeliness of lien furthermore civil judgment data. Xactus' solution can help you maintain your compete edge without adding the expenditures of reset your models. ... Report Features. Comprehensive Coverage: Obtain ...Here you can access a variety of videos and how to instructions to help you utilize the tools and support Xactus makes available to you.Get leading lending machinery and credit reporting solutions from Xactus. Include consumer data and report seamlessly. ... Capable of Fulfilling Sorts for Lending Supportable Fannie Mae Property Data Collection real Freddie Mac Property Data Report. ... Xactus, the leading validation innovator for the mortgage industry, announced today is ...Xactus' credit experts work with Equifax, Experian, and TransUnion to quickly update credit information, typically within 3-5 business days. Rush options are also available for ... from your credit report, and they will connect you to the correct department. TransUnion: 800-916-8800 - An automated attendant will ask why you are calling. .... Credit Plus moves mortgage professionals forward. For Xactus Announces James Owens as Chief Technology Officer. May 2, 20 2. On the left-hand side under Actions, click Cancel Report (Allow Repull). ... PLEASE LET US KNOW IF YOU HAVE ANY QUESTIONS OR CONCERNS AND WE WILL BE HAPPY TO HELP. How to Cancel a Credit Report Within Xactus360 ... Home Batch Submissions Details 48428674 Credit ReportX Canceled 06-27-2023, 022248 PM 06-27-2023, PM xactus>l Advancing the ... Xactus. Xactus is the leading verification innovator for t 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 ...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. Credit Bureaus . section - fill in co-borrower details (name, S...
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