Xactus (formely Credit Plus) provides state-of-the-art verification services from pre-application to post-close that give mortgage professionals greater confidence when making lending decisions.

With Xactus, its comprehensive suite of verification services, lenders can successfully close more loans and better manage their risk. Xactus’ expertise in the mortgage industry enables it to quickly assess current and future needs, and provide new solutions for a rapidly changing environment. Xactus moves mortgage professionals forward.

For more information, please call Xactus at (800) 258-3488 or visit the company’s website at xactus.com.

Integration type: Credit

Floify’s integration with the Xactus interface enables loan officers to automate a portion of their mortgage process by automatically collecting a borrower’s credit report from Xactus.

Manual Xactus Installation and Request Automatic Xactus Installation and Request

From the team pipeline, choose the team name in the upper right-hand corner and select the option to navigate to the Company Dashboard:

Navigate to Company Settings and select the Integrations tab:
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Scroll down to locate Xactus. Select the plus sign towards the right to install:

Select Install Company Level Integration to complete the installation:

Select the Apply Now Settings tab:

Scroll down to Credit Report Integrations and select the option to Edit Credit Report Integrations:

Select the option to enable Xactus and select Save to confirm the change:

Navigate to Home and switch back into the user's account:

From the team pipeline, navigate to Settings and select the Integrations tab:

Scroll down to Xactus Integration and select the option to Edit Xactus Integration:

Enter your soft and/or hard pull credentials and select Save to confirm the changes:

Click the red, yellow, or green buckets to get into the desired borrower's loan flow:
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Select the Add New Doc button:
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Locate the option to initiate a Xactus Request:
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Complete the Xactus Order Form and select the option to Place Order:

You will receive a Success message once the order has been placed:

After submitting the order form, the borrower’s credit report will be delivered to the yellow bucket of the corresponding loan flow within moments.

Ready for review!

From the team pipeline, choose the team name in the upper right-hand corner and select the option to navigate to the Company Dashboard:

Navigate to Company Settings and select the Integrations tab:
​

Scroll down to locate Xactus. Select the plus sign towards the right to install:

Select Install Company Level Integration to complete the installation:

Select the Apply Now Settings tab:

Scroll down to Credit Report Integrations and select the option to Edit Credit Report Integrations:

Select the option to enable Xactus and select Save to confirm the change:

Navigate to Home and switch back into the user's account:

From the team pipeline, navigate to Settings and select the Integrations tab:

Scroll down to Xactus Integration and select the option to Edit Xactus Integration:

Enter your soft and/or hard pull credentials and select Save to confirm the changes:

From your team pipeline, navigate to Settings and select Apply Now:

Scroll down to Apply Now General Settings and select the option to Edit Apply Now General Settings:

Select the option Enable Credit Report Integration and select soft or hard pulls. Select the credit vendor from the dropdown. Make sure you select Save to confirm the changes:

Ready to go! When a borrower applies this will automatically pull credit and the borrower’s credit report will be delivered to the yellow bucket of the corresponding loan flow after it is converted from a prospect to a live loan flow:

Ready for review!