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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 account - An account for which both spouses are ...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.Xactus' credit experts will validate your rescore request prior to bureau submission to ensure the desired score result is achievable before you incur rescore costs. Obtain rescore updates rapidly Xactus' credit experts work with Equifax, Experian, and TransUnion to quickly update credit information, typically within 3-5 business days.Xactus, a provider of borrower verification solutions for the mortgage industry, has released the next generation of its proprietary technology platform, Xactus360. The new version sports "game-changing" features that allow lenders to improve workflows and create greater efficiencies, the company says in a release. Notable is the platform ...12/11/2019. Blog. Inquiries can appear on your credit report for several reasons. Inquiries, sometimes referred to as "pulls," are requests to view your credit history. There are two types of inquiries that will appear on your credit report — hard and soft. A soft inquiry will often show up if you pull your own credit report using a ...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 ...- usually credit cards that have a credit limit. TIP: The 'Credit Utilization Ratio" (CUR) is how much of the balance is currently reported as being used in all your revolving accounts combined. In this sample report, there's only one revolving account. The credit card account above has a $387 balance divided by $1000 limit = 38% CUR.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.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 ...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.February 27, 2024, 11:10 am By Connie Kim. Mortgage technology firm Xactus named Michael Crockett as its chief operating officer. He previously served as the company's chief data officer. In his ...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 44557232Xactus loan reported solutions enable lenders the create a more efficient workflow press improve your consumers' digital experience. Regarding Xactus; ... Tri-merge Credit Gutachten. Xactus' credit reporting solutions set lenders to create a other efficient workflow and increase their consumers' digital suffer. ...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 ...1. Start by logging into Xactus360 and file from the home page, click Credit ReportX. 2. Under 'select type of credit report' choose Credit ReportX. Canadian credit is only available through Equifax. Please uncheck TransUnion and Experian. Then, complete the applicant's information including First Name, Last Name, SSN and Street Address.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 ...HW Tech100. Xactus is making its mission to transform the mortgage industry by creating easy-to-use, innovative and customizable technologies — and delivering the verifications and credit data ...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 …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 ...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...selections for the report needed. Request Type: • 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. • Import From Website - Imports an existing report of a particular report ID. Report Type: Consumer Credit, Mortgage Only, PreQual, RefreshThis 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 ...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.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 the company. The comprehensive initiative includes the creation of a new logo, website, key messages, and tagline, "Advancing the Modern Mortgage," which speaks to ...

Fraud 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.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.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 unions and mortgage brokers. Xactus collaborates closely with its clients to digitally integrate a 360° approach to verifications across their workflows.Sign in. Ask xactus-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

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 ...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.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 ...…

Reader Q&A - also see RECOMMENDED ARTICLES & FAQs. The Refresh Report option allows the client to get an upda. Possible cause: Xactus currently has more than 6,500 clients nationwide, ranging from large bank a.