Credit Technologies, Inc - Credit Reports - Merged Infiles, RMCR's and Flood Zone Determinations.
Experian, Trans Union and Equifax, Merged Infiles and RMCR's.
Credit Technologies, Inc.


Close More Loans. Close Loans Others Can't.®

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The Tools, Training and Support To Help You Close More Loans.

Credit Technologies solutions result in more applications closings, and referrals. Easy to use, proven technologies, that offer powerful results for you and your applicants. Simply put, Credit Technologies will empower your originators to close more loans than are possible with any other credit reporting agency.  

We've handled many millions of credit transactions for firms large and small, nationwide since 1990.  We do more than simply provide data, our job is to do whatever is in our capabilities to help you close more loans

Each month, more than 50,000 consumers visit Credit Technologies, including many that are searching for a mortgage. We provide direct referrals of mortgage applicants to our mortgage lender and broker clients located in their city and state at no cost. 

Our services are available exclusively through our national network of certified mortgage professionals. If your looking for a mortgage and rescoring services for you personal credit report, please visit our Consumer Rescoring Section.  

 Credit Reporting

  • Trimerge credit reports - Integrated with virtually every LOS and AUS, delivered duplicate-free in seconds.
  • New Alchemy Vision® - Instantly cut credit reporting costs by up to 30%. (Call 800.445.4922 for more details)
  • Easy to read reports specifically designed to maximize credit re-scoring analysis and results.
  • Complete data control – add or remove a spouse and/or bureaus or create a mortgage only report in seconds at no cost.
  • Powerful administration tools monitor and control users, usage and costs.
  • Billing that works, simple to read, available anytime. Most importantly, no more duplicate charges…EVER.
  • Credit Score analysts that have more experience in helping better serve your applicants than any other CRA.
  • Business credit reports and Canadian consumer reports delivered in seconds
  • Online tools designed to automate many reporting and compliance requirements including Red Flag, OFAC, fraud detection and prevention, FCRA and FACTA compliance.Learn More About Credit Reporting  

Credit Rescoring

  • Rescore any file without documentation AND without having to pull a new tri-merge report.
  • Credit Technologies pioneered credit re-scoring with the launch of Score Express in 1997. After 11 years and tens of thousands of re-scored files, Score Express is the most successful credit re-scoring program available.
  • The average score increase on a Score Express file is 20+ points, (we frequently see increases in excess of 75 points.)  On 2/18/2004, a new re-scoring record was established with a 237 point credit score increase.
  • No other credit reporting agency or credit repair company has our experience or the ability to make credit-challenged borrowers your satisfied clients. Learn more about Credit Rescoring

CreditXpert

  • CreditXpert is the most powerful automated credit score analysis tool ever created.

  • Determine instantly the exact steps to take to improve your borrower’s credit scores, and know what the credit score change will be before re-scoring any file.

  • CreditXpert instantly creates an action plan for credit score improvement plan that you can provide directly to your borrowers – clearly defining the steps to take to reach the credit score needed.

  • Some changes that seem positive can actually harm your borrowers credit score (i.e. paying off certain collection accounts) in seconds CreditXpert will tell you what the credit score change will be before the update is completed, then use Score Express to update Trans Union, Experian and or Equifax for the permanent credit score change. Learn more about CreditXpert

IRS 4506 Tax Return, W2 Verifications, Bankruptcy, Divorce and Court Documents

  • Tax return, W2s or 1099s transcripts delivered in as little as 24 hours.
  • Perfect for those who cannot locate tax documents, or to lessen the documentation burden on any borrower.
  • Copies of most public records are available in hours including bankruptcy, tax and court documents.
    Learn more about AVM's

Automated Valuation Models (AVM)

  • An automated appraisal complete with comp valuations delivered to your desktop in seconds.
  • A wide variety of highly accurate programs are available through CoreLogic, Freddie Mac and Fiserv, Inc.'s Case Shiller Weiss. These are the same AVM solutions chosen by 20 of the nations leading banks to deliver fast, statistically accurate home valuations.   Learn more about AVM's

Flood Zone Determinations                      

  • Basic and Life of Loan Flood zone determinations are a click away. Order and delivery is completely integrated in our system and delivered in seconds from anywhere via the Internet including the new CertMap image that provide satellite imagery of the subject property and and nearby special flood hazard areas. Learn more about AVM's

Landlord - Tenant Services

  • Simple, online access to a complete suite of credit reporting services - all delivered in seconds.

  • Complete criminal records history including State and Federal records available nationwide.

  • Easy to read reports customized to your exact needs including registered sex offender searches, driving license verifications and driving history , OFAC search ...

  • Reference Verifications - Prior landlord and employment verifications delivered in hours.

  • New - Our Tenant Scorecard can automatically analyze  the credit report, criminal record data and eviction history of an applicant and quickly generate  a “pass”, “fail”, or “conditional” recommendation based on your customized screening criteria.   This will  improve decision turnaround time, reduce delinquency rates, and increase your bottom line margin.

NetPay Electronic Debt Payoff and Report Updating                       

  • A Credit Technologies exclusive, NetPay allows you to electronically payoff most any debt appearing on a credit report, and receive the updated credit report showing the zero balance within 2 hours of your request.
  • No more over-nighting payments and hoping the credit bureau can quickly verify the payoff. NetPay eliminates all the hassle.  Learn more about NetPay

CreditAPI        

  • CreditAPI is a revolutionary new tool for pulling and storing credit data directly from the credit repositories through a simple Internet connection, and then delivering the data to most any application.   Learn more about CrediAPI

We would like the opportunity to earn your business. Becoming a Credit Technologies member is fast and easy. Simply complete and fax the application and required documents. We can usually get you online in just a few days.

Join Today, or for more information, call 800.445.4922, we’ll be happy to answer any questions you may have.

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