"The First Choice in Credit & Screening"



CIC Credit - Trimerge Credit, Employment Screening, & Much More


Businesses have looked to CIC Credit for expertise on Business Screening, Credit Reports, Mortgage Credit Reports, and Employment Screening for decades. With over 100 years of credit related experience, it's no surprise that CIC Credit is a leader in providing quality products to help clients qualify borrowers, mitigate risk, and ensure compliance. 


Fannie Mae™ Day 1 Certainty™


On October 24, 2016, Fannie Mae™ announced Day 1 Certainty Initiative offering income, assets, and employment validation services to lenders through its DU system. One of the key factors of interest is Fannie Mae™ will provide relief from reps & warrants. CIC Credit is a proud reseller of AccountChek™ powered by Formfree and of The Work Number™ powered by Equifax®. CIC is also working diligently to become a provider in the program for our TaxReturnVerifications.com 4506-T IRS transcript services. Please contact your CIC Credit account representative or call 800-352-5882 to learn how to use your existing provider with the new Fannie Mae™ program.



Trended Data


In October 2015, Fannie Mae announced that they will start using Trended Data in their underwriting decision starting the weekend of September 24th, 2016. Trended Data will come from Transunion’s CreditVision and Equifax’s TotalView product lines. At this time, Experian has no trended credit data for mortgage credit reporting origination. CIC Credit is ready for the revolutionary change in the way you will now view credit. Click here to learn more!


Trimerge Credit


CIC Credit is a reseller of all three national credit repositories-- Experian, Equifax, and TransUnion.  Our state of the art, a cloud-based delivery system allows you to access instant results anywhere, anytime within the United States. Access anything from mortgage credit reports to individual bureaus for your credit applications with the click of a button. We also offer an award-winning credit Application Programmable Interface (API) delivery system to integrate our product delivery into your custom system or any of the 50+ loan origination systems available today.


Employment Credit & Screening


Employment Screening is a company's due diligence in protecting the business from these types of revenue loss. Lost revenue comes from all angles:


ü Turnover

ü Bad Publicity

ü Lawsuits 

ü Regulation Fines

ü Internal Theft 



With our screening experts and innovative technology, CIC Credit can customize our online screening platform to fit each company's needs while adhering to industry regulations, State & Federal laws, and any hiring criteria you may provide. 


Our Approach


As a CIC Client, we'll provide you a consulted sales approach with industry experts to ensure your screening programs meet Federal & State regulations and company guidelines. CIC Credit's service team gives you step by step guidance during setup and training. We'll also continue with monthly and quarterly management reports.


CIC has special programs and technology in place to help clients stay compliant with their industry regulations, EEOC guidelines, FCRA, FACTA Act, SAFE Act, DOT Regulations, GSE’s regulations, and Sarbanes-Oxley Act.

 

CIC Credit is designed to provide:


ü Up-to-the-Minute Real-Time Records

ü Fast Turnaround Time

ü Accurate Data You Can Depend On 

ü Industry Regulated Reporting


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