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LendingWise & Xactus Credit Integration

Turn on the Xactus credit integration and order credit reports from LendingWise.

The Xactus credit integration allows you to order credit reports directly through your system, streamlining your workflow and eliminating the need to switch between platforms.

 

🔍 Overview
The Xactus credit integration allows you to order credit reports directly within LendingWise, helping streamline your lending process and reduce manual work.

Note: LendingWise integrates with Xactus as a service provider. You must have an active Xactus account. If you are not yet a client, please contact Xactus directly to sign up for their services.

Step-by-Step Instructions to Enable Xactus Integration

  1. Navigate to Platform Settings
    Go to Settings > Platform Settings > Integration Hub.

  2. Filter to Credit Reporting
    In the Integration Hub section, click the Credit Reporting filter, or type Xactus in the Search integrations box.

  3. Search for Xactus
    Turn on the switch on the Xactus card, then click Configure.

  4. Select Your Services
    Tick the report types you're set up for with Xactus (or Select all).

  5. Enter Your Xactus Credentials
    Under Vendor credentials, enter your Xactus Username and Password. Add a credit card and billing address if Xactus bills you that way.

  6. Save Your Integration
    Once your credentials are entered, click Save to complete the integration.

 

 

Video walkthrough: 

 

Available Services via Integration:

  1. Full Credit Report – Borrower
    Pull a complete credit report for the primary borrower.

  2. Full Credit Report – Co-Borrower
    Pull a complete credit report for the co-borrower.

  3. Full Credit Report – Joint
    Access a combined credit report for both borrower and co-borrower.

  4. Soft Pull – Borrower
    Request a soft credit inquiry for the primary borrower (does not affect credit score).

  5. Soft Pull – Co-Borrower
    Request a soft credit inquiry for the co-borrower.

  6. Soft Pull – Joint
    Perform a joint soft credit inquiry for both parties.

  7. Flood Determination – Borrower
    Retrieve flood zone status and compliance data for the primary borrower’s property.

  8. Flood Determination – Co-Borrower
    Retrieve flood zone information for the co-borrower’s property.

FAQs:

For soft pull, all three bureaus are selected

To order a report, open the loan file and go to UNDERWRITING > 3rd Party Integrations > Credit Reporting Agencies. Choose Xactus, tick the services you need and click Submit. Submit orders a paid report. The video above shows the older settings page.