Tri-merge credit reports plus income, employment, asset, and tax verification through a single Intelligent Verification Platform built for mortgage and consumer lending.
About Xactus
Xactus is a verification fintech that delivers tri-merge credit reports alongside income, employment, asset, and IRS tax transcript verification through its Xactus360 Intelligent Verification Platform. Rather than routing each check to a separate bureau or vendor, Xactus cascades data across sources automatically — pulling only what's needed, monitoring credit and undisclosed debt in real time from application through closing, and connecting to 50+ LOS, POS, and servicing systems so verification results land directly inside existing workflows.
Ideal use cases
Full applicant financial verification for mortgage, home-equity, or other real-estate-secured lending, where tri-merge credit plus income/asset/tax confirmation is required before closing.
Reducing loan buyback risk with real-time undisclosed debt and credit monitoring from initial pull through funding.
Consolidating separate point solutions — bureau access, VOE/VOI, asset verification, IRS transcripts — into a single FCRA-compliant vendor relationship.
Example workflows with LendAPI
Add Xactus as a credit or income/employment verification node in your LendAPI flow, cascading across bureaus or data sources only when needed to control cost per pull.
Use Xactus verification results and undisclosed-debt alerts as decision model attributes alongside other marketplace partners in your LendAPI underwriting workflow.
For more information please visit www.xactus.com
Contact @ Xactus
Darleen Aragon, Strategic Account Manager | Email: darleen.aragon@xactus.com
