The First Choice in Credit & Screening
Businesses have looked to CIC Credit for expertise on Business Screening, Credit Reports, Mortgage Credit Reports, and Employment screening for decades. So it is no surprise that CIC Credit is a leader in providing quality products to help clients qualify borrowers, mitigate risk, and ensure compliance.
CIC has been in the credit reporting business since 1921 and has over 100 years combined credit related experience. CIC Credit is a reseller of all three national credit repositories and has a state of the art cloud based delivery system for instant results whether your needing mortgage credit reports or single bureaus for your credit applications. CIC also has an award winning credit API delivery system to integrate our product delivery into your custom system or any of the over 50 loan origination systems on the market today.
Background Screening is a company’s due diligence in protecting the business from lost revenue through turnover, bad publicity, lawsuits, regulation fines and internal theft. With our screening experts and innovative technology CIC Credit can customize each client online screening platform to ensure industry regulations, State Laws, Federal laws, and hiring criteria are obtained.
CIC clients experience a consulted sales approach with industry experts, to make sure screening programs meet Federal, State regulations, and company guidelines. CIC service team stays in step with clients during setup, training and 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 Times
ü Accurate Data that you can depend on
ü Industry regulated reporting
Stop Undisclosed Loan Blockers Today With Notifications
Repurchases can be very detrimental to your business and with CIC Undisclosed Debt Monitoring & Notification Services you can have peace of mind that a repurchase demand will be adverted. Fannie Mae's Loan Quality Initiative guidelines “Recommends that lenders have processes in place to facilitate borrower disclosure of changes in financial circumstances throughout the origination process.”
CIC Credit technology partner Meridianlink has created an innovative three bureau monitoring & notification process. Now you can access all three major credit repositories and monitor debt during the loan process. CIC also offers batch processing for quicker usage of the products.
Does low credit scores have you down?
Try CIC's suite of credit improvement tools from CreditXpert®, this suite of tools can help you get the FICO scores you need. When used in combination with our Rapid Rescore service you can have the changes made in a matter of 72 hours to get the scores you need and get the loan closed. Click here for more info
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