Our Technology

credit reports - CIC CreditOne of our top credit products is a new, revolutionary tool for pulling and storing credit data directly from the credit repositories. MCL has simplified this credit process with an easy internet connection and instant delivery of the data to the requesting application. 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 pays the huge cost of TruSecure security certification and hardware maintenance. Credit requests are made through HTTPS post to avoid any network or firewall issues that you might normally have to deal with.

MCL accesses credit data from Experian, Equifax, and Trans Union merges it and delivers it in a uniform format directly to your Web application or software in seconds. This allows you to automate your credit-based decisions and close mortgage, auto, or other credit-based business transactions quickly, efficiently, and profitably.

  • FNMA LQI reports and comparison tools
  • Simple Access through commonly-used web browsers
  • Instantly request, retrieve, view and print in-file/Pre-Qual and RMCR/Factual Reports
  • Conveniently view original trade records while viewing a merged report
  • Submit a request for supplements and other services instantly with a click of a button
  • Manage multiple users through customer account management features
  • Real-Time viewing and printing of billing invoices
  • Familiar web browser layout is user-friendly and accessible 24 hours a day, 7 days a week

CIC Credit brought on MCL because it is your key to a secure, reliable, and instant connection to credit data via the Internet. Take advantage of Internet technology with a 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 our client make their decision. Here at CIC Mortgage Credit, we pride ourselves on our quality of reports, excellent customer service, and cutting-edge technology. Please see the list of reports and benefits below.

  • Single, Dual, or Triple Merged Credit Reports in seconds
  • Tradeline update and supplement Service
  • RMCR – Residential Mortgage Credit Report
  • Compatible with Fannie Mae & Freddie Mac
  • Verification of Mortgage/Rent
  • Non Traditional credit reports
  • International Credit Reports Call for Pricing
  • Tax Return Verification service Click here for more info
  • Credit Analyzer Score Analysis Report and What If? Simulator click here for more info
  • Rapid Response – re-score service on a national level with a score change
  • Flood Zone Determinations with HMDA reporting and Life of Loan Service click here for info
  • All Internet-based system with over 30 Loan Origination System integrations
  • Online viewing, printing, and reviewing of Invoices in Real Time
  • We now offer AVM’S ( Automated Valuation Models) Click here to find out more!
  • Adobe Acrobat compatible with the ability to save and print with Adobe
  • Fully Integrated with Calyx Point Service Partner and Interface Partner
  • Fully Integrated with Ellie Mae’s Encompass and Epass systems
  • Instant Access 24 hours a day 7 days a week to the credit ordering system