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.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.We would like to show you a description here but the site won’t allow us.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...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 …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.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.August 17, 2022 06:00 AM Eastern Daylight Time. NEW YORK-- ( BUSINESS WIRE )--Inc. revealed that Xactus is No. 288 on its annual Inc. 5000 list, the most prestigious ranking of the fastest-growing ...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' credit reporting solutions reduce costs, increase efficiencies, and softening total. Are 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.On Credit Karma, you can get your free VantageScore 3.0 credit scores from Equifax and TransUnion. You can also get your credit scores from the three main consumer credit bureaus, though you may be charged a fee. (You're entitled to a free copy of your credit reports from each of the three credit bureaus every year, but not your scores.)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:Free weekly online credit reports are available from Equifax, Experian and TransUnion. Credit reports play an important role in your financial life and we encourage you to regularly check your credit history. Request your free credit reports. Spot identity theft early. Review your credit reports.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 ...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.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 ...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.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 ...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 ...Sign in. Ask xactus-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. RushAlso, let your customer know someone from Xactus will be calling. Credit Cards Ask for the full 15 digits or 16 digits of the card as the credit report only shows their member number. If you see 12 numbers, ask for last four. Most credit card numbers are 16 digits. MortgagesXactus 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 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 ...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.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.Tenant Screening. Discover our various product resources that include credit, data solutions, verifications, property solutions, scoring tools, fraud detection/quality control, and tenant solutions.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.Imagine your credit data as a traveler setting off on an epic journey through the intricate pathways of Xactus' systems. Each step is crucial to building up that comprehensive report. Xactus' Role in the Larger Credit Reporting Landscape. Think of Xactus as a big fish in the credit report pond.People often incur new debts after they apply for a mortgage and the lender pulls the origination credit report – but before the loan closes. In fact, 70% of undisclosed new debt is opened more than 14 days before closing. Undisclosed Debt Best Practices. There are two important ways you can prevent and detect undisclosed liabilities:Note: You will be charged for each credit report that you order; additional fees may apply to reports submitted via a Fannie Mae provider. Contact your CRA for detailed questions on setup and pricing. ... card can be used to pay for other products as well as the credit report. Xactus.com. 888-212-4200. Author: AJ F Created Date:From the main desktop screen in the Xactus ordering platform, choose the ... select View Report. How to Order a Flood Certificate. xactusŽ( Advancing the Modern Mortgage Flood Branch User SANDYS MORTGAGE COMPANY-CIS-8888 SELECT Cancel Options Flood Life of Loan HMDA Rush Order Pay by credit card Order Notification Email [email protected] ...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.Get leading lending advanced and credit reporting solutions from Xactus. Integrate final data and reporting seamlessly. Reduce risk are decisions. About Xactus; Xactus U; News; Help & Endorse; About Us; ... Show Xactus The Leading Review Innovator for that Mortgage Industry. Get About Xactus.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.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 andPhiladelphia, PA, October 28, 2020 – CIS Credit Solutions (“ CIS ”) and Universal Credit Services (“ Universal ”), both technology and credit solutions providers to the mortgage industry, are pleased to announce their merger. The merger, which follows CIS combining forces with Avantus earlier this year, creates a clear market leader ...Xactus will not charge you for a Flood Zone Determination if the loan doesn’t close. Get Flood ReportsX through Xactus360 (and Most LOS Platforms) Xactus360, our next gen verifications platform, is all the technology you need to obtain our timely Flood Zone Determinations.Rescores. Score Optimization / What-If Simulations. Primary Borrower File#. Secondary Borrower File#. UCS Username. Email. File Number#. Use Fast Track from Xactus for fast customer support and service. Fill out our form to submit a question.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 ...May 2, 2022 | Archive 2022. 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 development and implementation across its platforms, and ...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...Rescores. Score Optimization / What-If Simulations. Primary Borrower File#. Secondary Borrower File#. UCS Username. Email. File Number#. Use Fast Track from Xactus for fast customer support and service. Fill out our form to submit a question.If you use up your free credit report and want to check again for some reason, you can pay about $20 for each report. Or, you can get a free TransUnion credit report from CreditCards.com. Sample credit report.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 ...12/06/2022. 1. Start by logging into Xactus360 and opening the borrowers file from the home page. 2. On the left-hand side under Options, click Customize Report. How to Customize a Credit Report Within Xactus360. 12/06/2022 3. If Trended Data is needed on the report, check the Include Trended Data box. To sort the tradelines in a specific order ...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...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...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.The page timed out while loading. Are you sure you're still connected to the Internet?Broomall, Pa. – March 15, 2024 – Xactus, a leading verification innovator for the mortgage industry, today announced a new flood zone determination integration using Encompass Partner Connect, the latest API framework from Intercontinental Exchange (ICE) for mortgage technology and available via the Encompass ® digital lending platform.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.And Xactus is an Authorized Report Supplier of eligible verification reports for the Desktop Underwriter® (DU®) validation service and supports Day 1 Certainty® from Fannie Mae. For more information, contact your Xactus Account Executive. *Equifax Workforce Solutions is a business unit of Equifax Inc., Atlanta, Georgia.Universal Credit Services top competitors are ACES Financial Management Services, Financial Coach and Penn East FCU and they have annual revenue of $17.9M and 85 employees. ... UCS is an Authorized Report Supplier for Fannie Mae Day 1 Certainty® ... 2022-04-17 - Xactus Announces Kevin Ryan as Chief Financial Officer.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.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.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 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 GSEsXactus 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, the leading verification innovator for the mortgage Report Features. Broad Coverage: Obtain the • 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. ... I Credit ReportX Xactus Borrowers Nickie Green & Alan Brawn ORDER INFORMATION ORDER DATE 07/182023 AM 07/182023 AM 07/182023 AM 07/182023 AM 07118/2023 AM Like a refresh report, these are utilized as a lo Report Features. Broad Coverage: Obtain the same nationwide coverage that historically has been included in credit reports. Actionable Details: Specify the type of judgment and lien content that you need, and select a variety of attributes and individual judgment and lien details. Numerous Attributes: Choose from the count of liens on file, the ...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. Our personalized collection approach and targ...
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