Cisco Credit

06/15/2026

VantageScore 4.0 Now Enabled
CISCO Credit is excited to announce VantageScore 4.0 is now enabled and are included with credit reports effective immediately.

For more information regarding how to use VantageScore with automated underwriting, please reach out to your Fannie Mae and Freddie Mac representatives.

03/25/2026

Now Available: 3‑bureau trended soft pulls through CISCO Credit for your non-QM loans!

Clients of CISCO Credit can now request trended soft pull subcodes from every bureau.

• Experian - Power Profile Plus with Trended Data and Score

• TransUnion - TruVision Soft Check

• Equifax - PreQual Plus

Take advantage of these for your loan, prequalification, and early-funnel decisioning, with no hard inquiry on the consumer.

Use cases must comply with the FCRA and applicable laws.

08/27/2025

Introducing the new FICO Score Mortgage Simulator, now available!

05/29/2020

How does forbearance impact credit scores?

This is one of the top questions we're receiving from mortgage professionals lately. As more borrowers seek forbearance on their mortgage due to the pandemic, many worry about its long-term effects. The short answer: When an account reports in forbearance, it does not negatively affect the score.

04/10/2020

Learn more about our integration: https://floify.com/integrations/cisco-credit

04/09/2020

Mortgage Inquires:

Mortgage inquiries aren’t factored into credit scores until they’re over 30 days old – even if they’re listed on the current report.

Multiple mortgage inquiries within a short time frame are only counted as one. This “shopping window” varies by bureau, ranging from 14-45 days.

An additional mortgage inquiry doesn't always impact the credit score. When it does have an impact, the score declines five points on average. It depends on the bureau, scorecard and other reported information.

Once the mortgage inquiry is over a year old, it’s no longer factored into the credit

01/22/2020

ICYMI: With our latest software update, CreditXpert® What-If Simulator™ helps you eliminate surprises with an automatic notification warning users when a credit score may drop within the next month. Ask your credit provider for availability of CreditXpert® 10.2!

10/03/2019

SOFT PULL CREDIT REPORTS:
CISCO Credit offers Soft Pull Credit reports from Experian, TransUnion & Equifax. Soft Pull report gives you the ability to access Experian, Transunion & Equifax credit reports without an inquiry impact. The report provides a FICO score. Once qualified, a hard pull can be run and used for underwriting. This process reduces the number of hard pulls & maintain the borrower's score.
Protect your borrower's score.
Save on report costs.
Trigger lead-free.

10/03/2019

CISCO Credit now offers ARIVE loan origination software integaration

Stuff for brokers is broken. We’ve fixed it. Are you ready to ARIVE? Broker Sign Up Lender Sign Up ARIVE. The complete ecosystem for independent mortgage originators. Everything just got easier. Arive is a fully-integrated broker environment. Your LOS, POS, CRM, pricing engine, lender connectivity...