Xactus 8.15.22

As you likely have heard, UniversalCIS | Credit Plus has been rebranded to Xactus. We’re very excited about the future that lies ahead for us, the clients we serve in the Rhode Island area and across the country, and the mortgage industry.

We embarked on this rebranding initiative to make it clear that we are innovators with the size, scale, and experience to lead this market and articulate our unique approach to transforming our industry by advancing the modern mortgage.

Committed to your success

We’re committed to our clients’ success at every stage, from how we innovate and solve client challenges, to the robustness and reliability of our technology, to our dedicated customer service team. Locally, we serve our clients through operation centers located in Warwick, RI and West Haven, CT. Working as a partner committed to your success, we can help you navigate a fast-changing, fast-digitizing world.

Improving Workflows, Creating Efficiencies

Xactus offers a suite of data solutions to help lenders successfully navigate today’s mortgage marketplace. Here are two hot products that can help you close more loans more quickly:

VOE/I Waterfall – Our VOE/I “waterfall experience” allows you to cast an even wider net when validating employment and income. Here’s how it works…

Automated verification – Check employment and income more comprehensively through Xactus’ direct integrations with:

• The Work Number®: A solution offered through Equifax Workforce Solutions*, and the largest collection of payroll records contributed directly by employers.
• Experian VerifyTM: Our newest validation resource is powered by the most current data available and delivers employment and income verification data directly from trusted payroll sources in real time.

The automated workflow is fully customizable and can be programmed to cascade, meaning if the employer/income isn’t available in one instant database, another one can be checked.

Manual verification – If an applicant’s information isn’t available in our online databases, we can perform a manual verification. Our team follows a uniform, auditable process that ensures you get data you can trust.

*Equifax Workforce Solutions is a business unit of Equifax Inc., Atlanta, Georgia. Xactus 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.

Home Equity Verifications Bundle – We offer a customizable suite of home equity verification services to help lenders target qualified HELOC prospects and better assess risk quickly and easily.

See who qualifies with these data solutions:

• Portfolio Review – mine your current portfolio for leads

• Prescreened Leads – set the criteria and screen consumers while protecting your offers from competitor solicitations in the early stages of your campaign

Assess risk with these verification solutions:

• Credit Reports
• Automated Valuation Models (AVM)
• Employment Verifications
• Flood Reports
• Fraud Plus

And remember, when you bundle our solutions, you mitigate risk and increase efficiencies while reducing costs and enhancing profitability.

Since 1998, Paul DeCoste has been based out of our Warwick, RI office. He is committed to providing a professional consultative approach focused on assisting clients with new customer acquisition and retention, compliance issues, and overall increased operational efficiencies.

For more information, please contact:


Paul DeCoste

Strategic Account Manager

Office: 800-243-0120 extension 4501

Cell: 508-789-6240

[email protected]