Certified Credit Reporting
Partnership Beyond Reports — Modern credit and verification technology, supported by people who answer.
- 01 Over 40 Years in Mortgage – Serving community banks, credit unions, IMBs, and national lenders nationwide.
- 02 100% Onshore Client Success – U.S.-based service for both lenders and borrowers, with no offshore handoffs. More than 90% of calls answered in 30 seconds or less, with a 20-second average answer time.
- 03 Bilingual Service Team – More than 30% of our Customer Service team is bilingual.
- 04 Comprehensive Credit Reporting – Tri-merge, single- and dual-bureau reports, prequalification soft pulls, refresh reports, and rescoring, with Smart Select to determine when a full pull makes sense. 75% of credit supplements completed within one day.
- 05 Full Verification Suite – VOE, VOI, VOA, instant VOE, and 4506-C tax transcripts, with manual follow-up handled by our team when a verification can’t be automated. More than 50% of manual VOEs completed within two days.
- 06 Risk & Compliance Solutions – Undisclosed debt monitoring, fraud screening, flood determinations, and AVMs across the loan lifecycle.
- 07 Backed by Leading Mortgage Technology – Direct integrations with major LOS platforms, so credit and verifications are ordered inside the systems your team already uses. 99.98% system uptime.
- 08 Cascade Automation – Ordering and monitoring handled in the background, reducing unnecessary touches, re-pulls, and delays.
Certified Credit delivers mortgage credit reporting, verification, risk management, and workflow solutions. Everything is built to help lenders reduce costs, remove friction, and move loans forward. We combine leading mortgage technology, flexible pricing, and award-winning, 100% onshore support to give lenders more control over the credit process without sacrificing service.
Our solutions include:
- Credit reporting: tri-merge, single- and dual-bureau reports, prequalification soft pulls, refresh reports, and rescoring
- Smart Select: tools that help lenders determine when it makes sense to advance a borrower to a full credit pull
- Verifications: VOE, VOI, VOA, instant VOE, and 4506-C tax transcripts
- Risk management: undisclosed debt monitoring, fraud screening, flood determinations, and AVMs across the loan lifecycle
- Cascade automation: ordering and monitoring handled in the background, cutting unnecessary touches, re-pulls, and delays
The best workflows are the ones your team never has to think about. We integrate with the LOS platforms lenders already use, so teams improve workflows without adding another disconnected process. And when a verification requires manual work, our team can handle the follow-up instead of sending it back to yours.
That is where partnership beyond reports begins. Any provider can deliver a report. What matters is what happens when technology isn’t enough.
Certified Credit was awarded The Mortgage Collaborative’s 2025 Lenders Choice Award for Customer Service, voted on by the lenders we serve.
What that looks like day to day:
- 100% U.S.-based support for both lenders and borrowers
- 12-second average speed to answer on inbound calls
- 75% of supplements completed within one day
- More than 30% bilingual Customer Service team
- FCRA-trained Client Success team that understands mortgage
When a supplement, verification, or credit question is standing between a loan and the closing table, lenders reach out to someone who knows what’s at stake and can help move it forward.
For over 40 years, Certified Credit has served mortgage lenders nationwide, from community banks and credit unions to independent mortgage banks and national lending institutions.
Get more information about Certified Credit Reporting
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Product Comparison
 Certified Credit Reporting Partnership Beyond Reports — Modern credit and verification technology, supported by people who answer. |  ICE Mortgage Technology Innovation Happens Here |  MeridianLink Comprehensive Mortgage Tech Backed by Experts Who Know Your Business |
|---|---|---|
| Overview | ||
| Partnership Beyond Reports — Modern credit and verification technology, supported by people who answer. | Innovation Happens Here | Comprehensive Mortgage Tech Backed by Experts Who Know Your Business |
| Highlights | ||
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| Pricing | ||
| Pay-Per-Use (Consumption-Based) | Per-User Pricing | Pay-Per-Use (Consumption-Based) |
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