Pioneering toward tomorrow

Sometimes being first matters. In business, responding to your customers’ needs ahead of your competition is everything. Credit Plus prides itself on staying ahead of the curve by being one of the first, or the only, third-party mortgage verifications provider to consistently deliver innovations. Check out our legacy of firsts.

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Offered web-based credit reporting – one of the first CRAs in the country to do so.

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Introduced more robust, targeted lead generation tools, and began distributing disclosure letters on behalf of lenders – one of the first in the industry to do so.

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Introduced a new generation of AVMs and warranted AVMs – one of the first in the industry to offer them.

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Introduced AVM-Lite – a tool that quickly allows a lender to assess a home’s value to determine if it is worth moving ahead with a more expensive uniform residential appraisal report.

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Introduced Lending Hand and implemented direct access to FHA – one of the first credit reporting agencies to do so.

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Automated more fraud detection tools.

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Began offering Undisclosed Debt Monitoring™ powered by Equifax®.

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Introduced eSignature for 4506-Ts, becomes a certified reseller of The Work Number®* and began offering three-bureau undisclosed debt verifications, the first in the industry to offer all three.

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Integrated direct access to The Work Number® database into its technology, the first reseller to do so. Announced loan quality control program, QC Review, for pre- and post-closing and forensic reviews, and introduced a one-stop verification program, FraudPlus.

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Introduced verifications of deposits and assets, launched Reps and Warranties coverage – the only third-party verifications company to offer it.

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Started offering Trended Credit Data to help lenders better analyze borrowers' revolving credit behavior. Began providing Reps and Warranties coverage for its entire line of verification services available through its technology platform.

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Introduced Lost Sales Analysis, a tool to help lenders gain a better understanding of the applicants they’ve lost, who they lost them to and why. Added LexisNexis® RiskView™ Liens & Judgments Report, 4506-T reports were integrated into Fannie Mae Day 1 CertaintyTM and launched Business Intel Suite which offers credit reports on businesses.



Credit Plus introduced CloseCAPTURE, a suite of products designed to help reduce loan fallout by lowering credit report costs, qualifying more applicants with credit score issues, preventing approved applicants from going elsewhere, finding more quality leads and retaining your portfolio.

What sets us apart

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Because we are a privately held company, we are inherently nimble which allows us to respond with innovative solutions more rapidly to changes in the mortgage industry and customer requests.


Credit Plus is dedicated to providing our clients the products and tools they need to get the job done. We are at the forefront of the mortgage industry and have introduced many industry firsts.

A True Partner

Our very existence revolves around our relationship with our clients. Your needs, your timetables, your concerns and your success are what drives our people to come to work each day. Credit Plus will always have your best interest and financial health in mind, and we’re in it for the long haul.

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Extensive Training

We are third-party mortgage verification experts that will train your team on how to use our powerful tools most effectively. And through Credit Plus University, our free online training center, you can access weekly classes that cover our products and services as well as pertinent industry topics. We even offer customized classes upon request.

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Service and Support

Our U.S.-based customer service and technical support are available Monday through Friday, 8 a.m. to 8 p.m. EST. You will always talk to a live person. We provide a national account executive as a single point of contact, but you can still access our nationwide sales force to ensure complete support of your organization.

Total Customer Control

Account administrators are able to set user restrictions. Management reports allow you to track all files, products and charges associated with a branch or employee with the click of a button.

Our Mission

Enable confident business decisioning and effective risk mitigation by being at the forefront of automation, technology and verifications, while promoting industry education and providing unmatched customer service.

The Credit Plus Collection

Come to the master for all your verification needs.

Consolidate…with the Credit Plus Collection.

Credit Plus introduced the concept of bundling essential mortgage verification services with unrivaled customer service more than a decade ago. This rich history combined with our niche expertise makes Credit Plus the consummate provider of intelligent insight.

The Credit Plus Collection is a single gallery of mortgage verifications from pre-application to post-close from which you can select one OR multiple services. Put our mastery of third-party vendor consolidation to work for your lending operation to increase productivity, reduce costs, and improve efficiency so you can close more loans.

Learn more about the services you can consolidate with the Credit Plus Collection

Credit Reports

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Tax Return Verifications

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Undisclosed Debt Verifications

Learn More ⟶

Flood Zone Determinations

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Employment / Asset / Income Verifications

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Quality Control & Assurance

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She is awesome!

"I'm reaching out to inform you of the experience I had with Ms. Beth Udolf regarding a recent rescore order. She was very professional and spent quality time going over the order. She found one tradeline that I had requested to remove entirely had already been removed from the collection agency at the bureau level. She was able to save my client $60. She also explained the rush fee for the other two tradelines which allowed the rescore to be finished in two days. For $20 dollars, I am able to get the rescore back and still save $40 due to her knowledge of the business. Beth Udolf is a noticeable asset to Credit Plus. Her level of knowledge will generate many referrals for you! I enjoyed talking to Beth! She is awesome!”

Melba T.

Thank you!

“I just wanted to say thank you for the awesome service we are getting from your team. They are doing a great job!"

Alisa J.

Your attitude is outstanding!

“I wanted to take a minute to thank you. I had a difficult situation that I did not think I could get corrected. You stuck with me and did everything you could to get it fixed. I feel like you went above and beyond. Your attitude is outstanding! Keep up the excellent service!”

Dawn B.

I couldn't ask for more

“I wanted to thank Don and his staff as we had two very difficult situations recently that were time sensitive. In one instance, we needed an update from Equifax removing an erroneous Social Security number and a rescore. Don and his staff pulled it off in one day which allowed us to close on time. I couldn’t ask for more. Great job! The second problem that was resolved in a few days involved removing a disputed account. Don and his senior management team got involved when all others had failed to remove it. Another example of great customer service. Thanks Don!”

A regional vice president at a community bank

The system is easy to use

“The Credit Plus system is easy to use and we have been pleased with the transparency and reporting features. It’s helpful to be able to give multiple users the ability to review and rebut any potential defects. The Credit Plus staff is very good about letting us know of any anomalies they may identify in our files – especially with the new mortgage rules – so that we can determine if they are defects or simply a change in practice. They are very knowledgeable and highly responsive to our requests. Their checklists for both compliance and secondary market guidelines are comprehensive and we are confident that they will continue to meet our needs.”

A regional bank

Takes the time to understand our business model

“We work with Credit Plus as a partner in our business, not just as a vendor. They partner with us on key business initiatives to find solutions that will bring value to both companies. Our mission and convictions are similar which makes working together easy to do. Credit Plus takes the time to understand our business model and stay engaged with us. They attend training conference calls and key meetings with our team members and provide monthly metrics on how they are doing to ensure we are receiving the service we expect and they desire to give. We love Credit Plus!"

Julie P.

Everyone at Credit Plus has given us superior customer service.

“I met Michael Crockett and Don Clement at a Lenders One conference over five years ago. I have been thankful for that meeting ever since. At the time, I was ready to make a change as our credit provider had started outsourcing to call centers in India. The service was awful. Michael and Don personally assured me that would not be the case with Credit Plus. They have proven to be correct. Whenever I’ve needed a favor or had an issue, they fix it immediately. Everyone at Credit Plus has given us superior customer service.”

Jim C.

Much more than just credit…we’re Credit Plus

Call us at 800.258.3488 or click here to request more information.

Smiling couple with mortgage agent

Knowledge Hub

Here you can find additional industry and Credit Plus news. Just click below for easy access to our many educational tools including brochures, flyers, white papers, videos, webinar recordings, etc. – and past and present news vehicles such as press releases and other media coverage.

*Equifax Workforce Solutions is a business unit of Equifax Inc., Atlanta, Georgia. Credit Plus is an authorized reseller of products and services provided through Equifax. The Work Number® is a registered trademark of TALX Corporation, a wholly owned subsidiary of Equifax Inc.

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