What Is Xactus? Credit Reports & Verification Explained
Xactus (formerly Avantus/CBCInnovis) provides mortgage credit reports and verifications. What it does, what it costs, and why it's on your credit report.
Category: Credit Vendor
Verification innovator combining former Credit Plus & Universal Credit.
Xactus (formed by the combination of Credit Plus, Universal Credit Services, DataFacts, and others) is one of the largest tri-merge credit report providers and verification services companies in mortgage. Covers credit, employment, income, tax transcripts, flood, and fraud.
Best for
Lenders wanting a broad verification suite from a single vendor.
Key capabilities
- Tri-merge credit
- SoftQual soft-pull
- Verifications suite
- Tax transcript (4506-C)
- Fraud tools
Headquarters: Broomall, PA
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For loan officers
Xactus handles your file. We handle the follow-up.
Keep every borrower and referral partner warm while the file moves, without hiring an assistant.
- Automated follow-up on every lead
- Realtor partner updates and co-marketing
- Rate-drop and equity alerts on past clients
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