Whether you need a single bureau, two bureaus, or the industry-standard tri-merge credit report; the UniversalCIS system will return your report in seconds.
We’re proud to say that UniversalCIS is the preferred partner to more than 4,000 clients nationwide; from the nation’s largest banks and mortgage originators to regional credit unions and local mortgage brokers.
UniversalCIS credit reports are FCRA compliant and are readily available through all major LOS and mortgage software platforms.
The UniversalCIS tri-merge report merges the data from all three credit repositories (Equifax, Experian, and TransUnion), and presents it in a clean easy-to-read format. We can also customize the information layout to suit your specific needs with multiple sequence options available. Every report includes Risk Scores, OFAC, Subscriber Decoding, Notice to the Loan Applicant, and Risk-Based Pricing Notice.
View key information at a glance – Quickly scan the Report Summary page for FICO scores, fraud alerts, credit summary, and late payment history.
Spot potential underwriting problems with Underwriting Alerts located in the Credit Summary section of every credit report.
Order tradeline updates from our website or directly within the credit report.
Resolve repository errors fast with Rapid Updates, permanently correcting most bureau errors (and adjusting FICO scores) within 48 hours.
Reissue reports through Fannie Mae, Freddie Mac, and many other underwriting platforms. Choose to have an AVM automatically returned with your credit report, or when the borrower’s score meets a threshold you specify.
Close more loans with instant score improvement recommendations. With our Score Analysis tools running on each report, you’ll see opportunities for the borrower to improve their credit score in some cases within 48 hours!
Take advantage of the short window of opportunity with a customer by providing an instant decision and keeping the competitive edge. Credit Analysis reviews each credit report against your unique lending criteria and instantly returns your list of predetermined actions. With the Credit Analysis option enabled on your Avantus account you’ll be making loan decisions smarter, faster, and with more consistency across all product lines.
Credit Score Improvement
Close more loans by helping the consumer realize their true potential score. The CreditXpert Solution Suite, using a hybrid of artificial intelligence, statistical techniques, and analytical methods, simplifies the complexities of credit scoring. With CreditXpert’s Credit Assure running on every file, you don’t need to know anything about credit scoring to improve a score. No more time spent scouring credit reports. Credit Assure scans the file automatically and presents potential improvements right on the report.
More than just credit reports.
From application to closing, UniversalCIS has the products and services you need to close more loans and the experienced staff to help you get it done.
If you would like more information about UniversalCIS credit reports or any of our products and services, give us a call at 888-212-4100. We look forward to hearing from you!
What are the scoring models used today?
FICO Scores – https://www.myfico.com/credit-education
FICO Score vs Vantage Score https://www.experian.com/blogs/ask-experian/the-difference-between-vantage-scores-and-fico-scores/