Tri-merge
Credit Reports
Xactus’ credit reporting solutions enable lenders to create a more efficient workflow and improve their consumers’ digital experience.
Income &
Employment
Xactus’ credit reporting solutions enable lenders to create a more efficient workflow and improve their consumers’ digital experience.
Build a Modern Mortgage Experience with the Right
Credit Tools
Xactus’ credit reporting solutions reduce costs, increase efficiencies, and mitigate risk. Our pre-approval and pre-application reports use soft inquiries which protect your lead from competitors. Best of all, our credit reporting products help you make better decisions throughout the lending process.
Build a Modern Mortgage Experience with the Right Credit Tools
Xactus’ credit reporting solutions reduce costs, increase efficiencies, and mitigate risk. Our pre-approval and pre-application reports use soft inquiries which protect your lead from competitors. Best of all, our credit reporting products help you make better decisions throughout the lending process.
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 creditworthiness quickly and efficiently.
Credit
Credit Copy
Verification solutions
Our suite of Income & Employment products help you evaluate risk, ensure
the ability to repay, mitigate losses, and retain customers
Pre-approve & pre-qualify consumers more efficiently & accurately
With our credit reporting solutions, you can better manage your upfront costs and provide pre-approval for consumers before having them complete a full application. Our flexible pre-approval solutions are soft inquiries, protecting potential offers from competitors in the early stage. In addition, we save you time and costs with our pre-qualification reports by allowing you to set parameters with one bureau, which can automatically cascade to the other bureaus when specific requirements are met.
Pre-approve & pre-qualify consumers more efficiently & accurately
With our credit reporting solutions, you can better manage your upfront costs and provide pre-approval for consumers before having them complete a full application. Our flexible pre-approval solutions are soft inquiries, protecting potential offers from competitors in the early stage. In addition, we save you time and costs with our pre-qualification reports by allowing you to set parameters with one bureau, which can automatically cascade to the other bureaus when specific requirements are met.
Integrate with your existing technology
Xactus’ tri-merge credit reports integrate seamlessly with your LOS, POS or proprietary systems, providing easy access to all the data you need in one place. Our full range of credit reports and robust analytical tools let you:
- Xactus' Asset Verification services are an essential part of your due diligence during the mortgage loan approval process. You can:
- Validate a consumer's assets, deposits, and account activity directly from the borrower's financial institution(s)
- Obtain a clear view of the borrower's financial balances
- Reduce the risk of costly loan buybacks or other challenges
Integrate with your existing technology
Xactus’ tri-merge credit reports integrate seamlessly with your LOS, POS or proprietary systems, providing easy access to all the data you need in one place. Our full range of credit reports and robust analytical tools let you:
- Evaluate how your applicant has handled their credit in the past and quickly assess potential risk
- Speed up underwriting decisions with customized, automated decisioning rules built directly into workflows and findings
- Meet FCRA requirements
- Order and fulfill credit score disclosures
- Reduce costs by bundling pricing
Get tradeline updates quickly & compliantly
Xactus’ FCRA certified experienced specialists complete updates quickly and accurately while providing exceptional personal service. You can also utilize our comprehensive suite of scoring tools to identify opportunities and get the optimized information you need to close loans quickly.
Get tradeline updates quickly & compliantly
Xactus’ FCRA certified experienced specialists complete updates quickly and accurately while providing exceptional personal service. You can also utilize our comprehensive suite of scoring tools to identify opportunities and get the optimized information you need to close loans quickly.
Monitor credit throughout the mortgage loan process & avoid last-minute surprises
Xactus provides real-time monitoring of the consumer’s credit activity from the time you first pull the credit file through loan closing, reducing potential risk and loan buybacks.
Monitor credit throughout the mortgage loan process & avoid last-minute surprises
Xactus provides real-time monitoring of the consumer’s credit activity from the time you first pull the credit file through loan closing, reducing potential risk and loan buybacks.
Put more applicants on the path to homeownership. Start using Xactus’
credit reporting solutions today!
Put more applicants on the path to homeownership. Start using Xactus’ credit reporting solutions today!
Put more applicants on the path to homeownership. Start using Xactus’ credit reporting solutions today!
More from our product suite
Xactus Income & Employment
Fraud Detection and QC
Score Optimization
Property Solutions
Data Solutions