"The First Choice in Credit & Screening"



Financial Products

Tax Return Verification

Online income verification process that provides an efficient and cost-effective means to verify an individual’s income from the IRS with Form 4506T. Over 60% of all mortgage fraud includes income or identity misrepresentations.

CIC Credit Product - Single, Dual, and Trimerge credit

Credit grantor's, Insurance Underwriters, lenders, Mortgage brokers, etc. Nationwide will be able to use their standard Internet browsers to enjoy fast, professional credit reporting from CIC Mortgage Credit, Inc.

  • Simple Access through commonly-used web browsers
  • instantly request, retrieve, view and print in-file/Pre-Qual and RMCR/Factual Reports
  • Conveniently view original trade records while viewing a merged report
  • Submit request for supplements and other requests instantly with a click of a button
  • Manage multiple users through customer account management features
  • Real-Time viewing and printing of billing invoices
  • Familiar web browser layout is user-friendly and accessible 24 hours a day, seven days a week
  • Red Flags reports to help you  DETECT, PREVENT & MITIGATE identity theft in connection with the opening of certain new and certain existing accounts.

FTC & FACTA Red Flags reports and solutions

The Federal Trade Commission (FTC), the federal bank regulatory agencies, and the National Credit Union Administration (NCUA) have issued regulations (the Red Flags Rules) requiring financial institutions and creditors to develop and implement written identity theft prevention programs, as part of the Fair and Accurate Credit Transactions (FACT) Act of 2003. The programs must be in place by June 1, 2010, and must provide for the identification, detection, and response to patterns, practices, or specific activities – known as “red flags” – that could indicate identity theft.

Automotive Credit Solutions

CIC Mortgage Credit Inc. is your vehicle to a seamless end-to-end online lending solution. This platform-independent, easily scalable and software free ideology offers an unsurpassed economical approach to automotive lending. There is no longer a need to hassle with dinosaur mainframe solutions.

 

Rapid Rescore 

The RAPID Rescore enables CIC to update the consumer credit information with the three national repositories of consumer credit information within 3 to 5 days. CIC will forward documents, supplied by the consumer, directly to the three major bureaus for an investigation and updating of items reporting incorrectly on the consumer's credit file. CIC cannot add new lines of credit to the credit file or update credit limits.

CreditXpert®

The tools you need to get the loans closed! CreditXpert® helps you take control of your borrowers' credit so you can qualify more of your loans and save your borrower money.

Client Retention Leads

TRetaining valued customers is much less costly than searching for new ones. To mitigate attrition and build stronger client relationships by using Client Retention Lead Triggers.