Universal Credit Services is a Top Ranked National Credit Reporting Agency providing Credit Report Services and lending products to support the entire loan life cycle. For Over 25 Years, Universal Credit Services has helped Mortgage Lenders, Mortgage Brokers, Banks, Credit Unions and Small Businesses overcome lending challenges, save on costs and provide professional assistance.
By offering products that cover the entire loan life cycle, we have been able to save an average of 15% for those who have switched over to our company.
By offering products that cover the entire loan life cycle, we have been able to save an average of 15% for those who have switched over to our company.
Services
Universal Credit Services has grown to be one of the largest National providers of mortgage services, lending services and tri-merge credit reports by consistently providing the industry's top customer service.
Since 1992, Universal Credit has helped industry leaders mitigate risk, close loans faster, overcome underwriting challenges, save on costs and provide professional assistance every step of the way.
We live in a world where we are all increasingly aware of the importance of information.
As such, our services deliver meaningful insights to help businesses and consumers spot opportunities and manage risk.
Since 1992, Universal Credit has helped industry leaders mitigate risk, close loans faster, overcome underwriting challenges, save on costs and provide professional assistance every step of the way.
We live in a world where we are all increasingly aware of the importance of information.
As such, our services deliver meaningful insights to help businesses and consumers spot opportunities and manage risk.
Family owned and operated, Universal Credit Services has over 20 years of experience in the credit reporting industry.
We offer fast, accurate credit reports merged from each of the three major credit bureaus (Experian, Equifax, and TransUnion).
Our on-line system allows fast access to information and we can integrate into your preferred Loan Origination Software (LOS) to keep workflow operating smoothly.
Universal Credit allows you to create your own customized credit report to better suit your preferences at no extra charge.
We offer fast, accurate credit reports merged from each of the three major credit bureaus (Experian, Equifax, and TransUnion).
Our on-line system allows fast access to information and we can integrate into your preferred Loan Origination Software (LOS) to keep workflow operating smoothly.
Universal Credit allows you to create your own customized credit report to better suit your preferences at no extra charge.
The UCS Tri-Merge Report accesses data from all 3 credit repositories (Equifax, Experian and Trans Union), merges, purges and dedupes the data.
The report is presented in an easy to read format with multiple sequence options available to meet your needs.
Every report includes Risk Scores, OFAC, Subscriber Decoding, Notice to the Loan Applicant Letter, and Risk Based Pricing Letter.
The report is presented in an easy to read format with multiple sequence options available to meet your needs.
Every report includes Risk Scores, OFAC, Subscriber Decoding, Notice to the Loan Applicant Letter, and Risk Based Pricing Letter.
Our clients can request access to CreditXpert's suite of credit analysis and simulation products through our secure online product platform.
Once activated, clients can utilize the various CreditXpert products to analyze credit report data pertaining to their borrower's credit report.
Should a client contact Universal Credit Services directly with regard to CreditXpert products, they'll be greeted by our customer service representatives who are able to provide instruction on how to order, use, and distinguish between products.
Once activated, clients can utilize the various CreditXpert products to analyze credit report data pertaining to their borrower's credit report.
Should a client contact Universal Credit Services directly with regard to CreditXpert products, they'll be greeted by our customer service representatives who are able to provide instruction on how to order, use, and distinguish between products.
Monitor applicant credit activities between the time of application and time of closing with Undisclosed Debt Monitoring (UDM).
Available from either one, two or all three repositories.
Debt Notifications will actively monitor a borrower's file for new tradelines, inquiries, public records, collections, recent derogatories and more.
Improves the confidence level of investors, mortgage insurers and regulators in your mortgage underwriting practices.
Available from either one, two or all three repositories.
Debt Notifications will actively monitor a borrower's file for new tradelines, inquiries, public records, collections, recent derogatories and more.
Improves the confidence level of investors, mortgage insurers and regulators in your mortgage underwriting practices.
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