Credit Plus, Inc. Adds Public Record Gap Report to FraudPlus

Lenders can obtain tax lien and civil judgment information that will no longer be included on credit reports

Salisbury, Md., March 22, 2017 Credit Plus, a provider of intelligent insight for mortgage professionals, announced today that it has added a Public Record Gap Report to its FraudPlus product line. The company is the first in the industry to offer this necessary information and will begin testing the report on April 1.

As part of the National Consumer Assistance Plan that becomes effective July 1, 2017, Equifax, TransUnion and Experian are expected to reduce the amount of tax lien and civil judgment information they report on consumer credit files. They will only report tax lien and civil debt information on consumers when four areas of personally identifiable information (pii) is present including name, social security number, birthdate and address.

A preliminary analysis conducted by Experian shows approximately 96 percent of civil judgment public record data will no longer be included on credit reports; and almost 50 percent of tax lien information will not meet the pii criteria. FICO® has found that roughly 12 million Americans’ credit scores will increase based upon this change.

“Lenders can rest assured that they can still obtain this critical information from Credit Plus and fill in the gap created from information that will soon be missing from credit reports. At Credit Plus, we are all about helping mortgage professionals make more informed lending decisions and this new tool is another way to accomplish that,” stated Greg Holmes, National Director of Sales and Marketing at Credit Plus.

About Credit Plus, Inc.

Credit Plus, Inc. provides intelligent insight to mortgage professionals so they can make smart lending decisions. Headquartered in Salisbury, Md., the company is a third-party verifications specialist offering more than 160 products and services for mortgage professionals, including credit reports, scoring tools, Deposit and Asset Verifications, Employment Verifications, Tax Return Verifications, fraud prevention tools, Undisclosed Debt Verifications, flood reports, appraisals, and more. Its expertise in the mortgage industry 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 call Credit Plus at (800) 258-3488, e-mail [email protected] or visit the company’s website at

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