Our Technology
We use a new, revolutionary tool for pulling and storing credit data directly from the credit repositories. Using MeridianLink Consumer Loan (MCL), this specialized application consists of a Web-based front-end management tool, several return data formats such as HTML, XML, and PDF, and various pre-built request interfaces that can easily be used by Loan Origination Systems, Web applications, and other credit decision software.
CIC Credit maintains TruSecure certification and hardware requirements. Credit requests are made through HTTPS post to avoid network or firewall issues.
MCL accesses credit data from Experian, Equifax, and Trans Union, then merges and delivers the information in a uniform format to your Web application or software in seconds. This system allows you to automate your credit-based decisions and close mortgage, auto, or other credit-based business transactions quickly, efficiently, and profitably.
CIC Credit provides:
- FNMA LQI reports and comparison tools
- Simple access through commonly-used web browsers
- In-file/Pre-Qual and RMCR/Factual Reports can be instantly requested, retrieved, viewed, and printed
- Convenient original trade records while viewing a merged report
- Supplements and other services can be requested
- Multi-user management through customer account features
- Real-time viewing and printing of billing invoices
CIC Credit uses MCL because as your key to a secure, reliable, and instant connection to credit data. Take advantage of our cost-effective, purpose-built Web application that can give your company the competitive advantage to succeed in today’s business environment. Our expertise in the financial information industry makes us a proven leader in providing cutting-edge credit reporting technology.
Reports and Service Offered
Through CIC Online and our in-house system, we can offer a wide range of credit products to help clients make their decisions. We pride ourselves on our quality of reports, excellent customer service, and cutting-edge technology. Here are some of our reports and benefits:
Single, dual, or triple merged credit reports in seconds- Tradeline update and supplement service
- Residential Mortgage Credit Report (RMCR)
- Compatible with Fannie Mae & Freddie Mac
- Verification of mortgage/rent
- Non-traditional credit reports
- International credit reports (Call for pricing)
- Tax Return Verification service
- Credit Analyzer Score Analysis Report and What If? Simulator™
- Re-score service on a national level with a score change with Rapid Response
- Flood zone determinations with HMDA reporting and Life of Loan Service
- Over 30 Loan Origination System integrations
- Online viewing, printing, and reviewing of invoices in real time
- Automated Valuation Models (AVM)
- Document report in PDF format
- Calyx Point Service Partner and Interface Partner integration
- Ellie Mae’s Encompass and Epass systems integration
- Instant ordering system access 24/7
