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

Headquarters: Broomall, PA

Visit Xactus website