Product and Services
Certis Credit and Verification Services provides comprehensive, accurate, and compliant solutions tailored to meet the needs of mortgage brokers, lenders, and financial institutions. We empower our clients with the tools they need to streamline lending processes, ensure compliance, and make informed decisions with confidence.
Explore our suite of products and services below:
Soft-Pull Credit Reports (PA & PQ)
Streamline your pre-qualification and pre-approval processes with soft-pull credit reports. These reports provide critical credit insights without impacting the borrower’s credit score, making them an essential tool for early-stage loan evaluations.
Tri-Merge Credit Reports
Gain a comprehensive view of your clients’ credit history with our tri-merge reports. By combining data from Experian, Equifax, and TransUnion, we deliver accurate and up-to-date insights that help you make confident lending decisions.
Credit Supplements
Ensure your borrowers’ credit profiles are accurate and complete with our credit supplements. We provide the necessary updates to credit reports, including account balances, payment histories, and account statuses, to reflect the most accurate data.
Credit Score Simulators
Empower your clients with actionable insights using our credit score simulation tools. These simulators provide a clear picture of how specific financial actions—such as paying down debt or opening new accounts—could affect their credit scores.
Rapid Rescore
Expedite the process of updating credit information with our rapid rescore services. Whether correcting errors or reflecting recent changes, we help ensure your clients’ credit reports are accurate and up-to-date in a matter of days.
Undisclosed Debt Notification
Stay ahead of potential risks with undisclosed debt monitoring. This service alerts you to new debts or credit activity during the loan process, reducing the likelihood of surprises at closing.
Credit Refresh Reports
Get an updated view of your borrowers’ credit profiles before closing with our credit refresh reports. This critical service ensures there are no last-minute changes that could affect loan eligibility.
Verification of Income/Employment
Streamline your underwriting process with our income and employment verification services. Whether automated or manual, our verifications provide accurate, FCRA-compliant data to support loan decisions.
Verification of Deposit/Assets
Verify your borrowers’ financial stability quickly and securely with our verification of deposit and asset services. Our reports provide real-time insights into account balances, ensuring confidence in your underwriting process.
4506-C Tax Transcripts
Access borrowers’ IRS tax transcripts quickly and efficiently with our 4506-C processing service. Our streamlined process ensures you get the documents you need to verify income and tax compliance.
SSA-89 SSN Verification
Prevent identity fraud and confirm borrower identities with our SSA-89 Social Security Number verification service. This tool ensures that the SSN provided matches the Social Security Administration’s records
Borrower Liens & Judgments
Ensure comprehensive borrower due diligence with our Borrower Liens & Judgments reports. These tools identify outstanding liens and legal judgments against borrowers, providing critical insights to help mitigate risk and support informed lending decisions.
Fraud Reports
Safeguard your lending process with our comprehensive fraud detection reports. These tools flag potential issues such as identity theft, undisclosed liens, and other high-risk behaviors.
Flood Certifications
Ensure compliance with federal flood regulations with our flood certification reports. These tools determine whether properties are in designated flood zones, protecting lenders and borrowers alike.
Post-Close/QC Credit Reports
Ensure compliance and mitigate risk with our post-closing quality control credit reports. These detailed reports provide a final review of borrowers’ credit profiles to support your quality control process.