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Over 20 Years of Fast, Secure, Reliable Credit Reports

Recognized for its strong security posture, speed and versatility, XpertOnline is the most highly-regarded consumer and mortgage credit reporting application available.   Only XpertOnline offers the fastest channel for Internet-based credit report access while securing data to protect its customers and consumers.  XpertOnline has an extensive history in the credit reporting industry, dating back to 1903 through an affiliation with Credit Bureau Services in Spokane, WA. – when credit was tracked on note cards in file drawers!  We’ve used our rich history to develop the best mortgage and bureau-direct credit reporting technology available.

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Technology Partners

XpertOnline offers data connections to every LOS, AUS, Loan Finding Engine, plus
direct access to the GSE's for instant automated underwriting.

Mortgage Credit Reporting

Credit Reporting Agencies use XpertOnline as their solution to provide lenders with the decisioning data they need to make accurate risk analysis decisions for home loans.  Integrated directly to Fannie Mae, Freddie Mac, and all LOS systems.  Includes Automated Underwriting, Loan Finding, Employment/Tenant Screening, and many other data integrations.

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Bureau-Direct Data for your Business

This XpertOnline solution enables software applications to pull consumer credit data directly from the bureaus.  Industries such as student loans, automotive, credit counseling, and other non-mortgage services benefit from our bureau-direct data offering.

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Security Statement

XpertOnline was the first credit reporting technology to be approved by Experian, Equifax and TransUnion to deliver credit reports securely over the web.  Since then, we have been the first to achieve all of the major consumer data security requirements, including EI3PA, PCI Level 1, and SSAE16 SOC 2 certifications.  XpertOnline has securely stored its data since its inception in the late 80’s.