Universal Credit Service

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.

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.

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.

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.For an additional fee, Universal Credit can run the report on the client's behalf.

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.