Why Credit Plus: Third-Party Mortgage Verifications Provider
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 innovation. Check out our legacy of firsts.
1998
Offered web-based credit reporting – one of the first CRAs in the country to do so.
2005
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.
2006
Introduced a new generation of AVMs and warranted AVMs – one of the first in the industry to offer them.
2009
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.
2010
Introduced Lending Hand and implemented direct access to FHA – one of the first credit reporting agencies to do so.
2011
Automated more fraud detection tools.
2012
Began offering Undisclosed Debt Monitoring™ powered by Equifax®.
2013
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.
2014
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.
2015
Introduced verifications of deposits and assets, launched Reps and Warranties coverage – the only third-party verifications company to offer it.
2016
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.
2017
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.
2019
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
Agility
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.
Innovation
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.
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.
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
Learn More ⟶Tax Return Verifications
Learn More ⟶Undisclosed Debt Verifications
Learn More ⟶Flood Zone Determinations
Learn More ⟶Employment / Asset / Income Verifications
Learn More ⟶Quality Control & Assurance
Learn More ⟶FraudPlus™
Learn More ⟶CloseCAPTURE
Learn More ⟶Testimonials
Much more than just credit…we’re Credit Plus
Call us at 800.258.3488 or click here to request more information.
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.