Certified Credit

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Certified Credit Certified Credit is a nationwide information firm with over 35 years' experience in Mortgage Services, Employment/Background Checks & Tenant Screening

Clean credit report. Clean file. Then a judgment surfaces three weeks before closing.Since 2017, the bureaus have pulled...
10/16/2026

Clean credit report. Clean file. Then a judgment surfaces three weeks before closing.

Since 2017, the bureaus have pulled civil judgments and tax liens off consumer credit reports. The records went away. The risk didn't. Borrowers with a lien or judgment against them are twice as likely to default.

A Liens & Judgments Report fills that gap, giving you visibility into bankruptcies, tax liens, collections, and judgments before they turn into a closing-table surprise.

Here's where standard credit reports fall short and how to close the gap: https://okt.to/19mRZo

What does a first-time buyer need most right now? Someone who can explain it.In this market, education isn’t a nice-to-h...
10/15/2026

What does a first-time buyer need most right now? Someone who can explain it.

In this market, education isn’t a nice-to-have. It’s the difference between a borrower who stalls out and one who moves forward feeling sure of their decision. That guidance starts with you, and we want to make it easier.

For Get Smart About Credit Day, here’s a reminder of the tools we’ve put together for our lending partners:

→ First-Time Homebuyer Guide: https://okt.to/cHgqMW

→ Insights blog, with ongoing coverage of credit and lending trends: https://okt.to/NXFt6a

We’re not just your credit provider. We’re in your corner, helping you show up for every borrower with answers they can trust.

For a lot of lenders, this is the time of year they start taking a harder look at whether their credit provider is still...
10/14/2026

For a lot of lenders, this is the time of year they start taking a harder look at whether their credit provider is still the right fit.

It's worth looking past the number. Are your calls getting answered? Is there a real person on the other end who knows your shop? When a file gets complicated, does anyone help you work it through?

Yvonne Sobieski, Senior Account Executive, will be at the WMBA 52nd Annual Real Estate & Finance Conference later this month. She'd love to hear what's working with your current provider, what isn't, and what a better fit could look like. Our Client Success team is 100% onshore, and Yvonne is the kind of partner who follows up after the conversation is over.

While you’re there, find her at the Certified Credit booth.

Tri-merge costs jumped up to as much as 50%* this year, the fourth straight year of increases.Are you still ordering one...
10/13/2026

Tri-merge costs jumped up to as much as 50%* this year, the fourth straight year of increases.

Are you still ordering one for every prequal?

Most early-stage applicants don't need the full picture yet. You just need enough to know if they're worth advancing.

Smart Select starts with a one- or two-bureau pull, checks it against your criteria, and only upgrades to a tri-merge when the borrower qualifies. No manual review. No overspending on prospects who were never going to close.

See how it works: https://okt.to/Jsz0ib



*Source: Yahoo Finance

Most of the VantageScore 4.0 conversation right now happens at the model level, which is useful if you work in credit sc...
10/12/2026

Most of the VantageScore 4.0 conversation right now happens at the model level, which is useful if you work in credit scoring and less so if you're the one fielding questions from your team.

The questions we hear are more practical. What does this mean for cost? Does it change anything about who qualifies? And the one that comes up least but may matter most: Should you change how you're ordering and using credit in the first place?

We've been working through these with lenders all year, and the answers depend more on the individual shop than anyone expected.

Lucy Kereta-Block, Yvonne Sobieski, Anne Nowak, and Jeff Woltemath are all here in Chicago, and they're happy to get into the operational details: https://okt.to/XYmojy

10/11/2026

Every provider says some version of partnership. It's one of those words that stops meaning anything around the fourth time you see it on a show floor.

What it means to us shows up in smaller ways than the word suggests. It means knowing your loan volume well enough to notice when something looks off. It means the person who picks up already knows how your shop works. It means we'd tell you when you don't need the thing we sell.

Lucy Kereta-Block, Yvonne Sobieski, Anne Nowak, and Jeff Woltemath will be in Chicago this week. Ask them what partnership has actually looked like for the lenders they work with, and hold them to the answer: https://okt.to/udh7mv

10/09/2026

Most lenders can tell us their price per credit report down to the cent, because that's the number on the invoice and the number that gets negotiated. What's harder to find is what credit costs per loan that actually closes.

The difference between the two is where the money quietly goes. Supplements that sit for days before a file can move, credit ordered on applications that were never going to close, and the hours your team spends stitching together vendors that don't talk to each other. None of it is a line item, but all costs real money.

So the more useful question is whether you're trying to lower the price of a report or lower what you spend on credit overall. Those have different answers, and we'd rather understand which one you're dealing with than hand you a rate sheet and hope it fits.

If it's something you're thinking about heading into next year, we'd enjoy talking it through: https://okt.to/Qp43fe

10/08/2026

Bilingual support shouldn’t be an afterthought. At Certified Credit, 30%+ of our Customer Service & Support team is bilingual and 100% onshore, so you’re always talking to someone who understands your business.

Learn how we support lenders in Puerto Rico: https://okt.to/Plv9tk

10/07/2026

More vendors. More portals. More re-entered data.

If your "full-service" credit provider is leaving gaps in VOE, UDM, fraud, or tax verification, you're likely feeling it in vendor sprawl and fragmented support.

Here's how to tell if your provider truly has you covered: https://okt.to/nIQacz

10/05/2026

Four familiar faces, one great reason to stop by! Lucy Kereta-Block, Yvonne Sobieski, Anne Nowak, and Jeff Woltemath are all attending MBA Annual this year, and they'd love to reconnect, whether that means a sit-down meeting, a few minutes over coffee, or just a hallway hello.

If you've worked with Certified Credit before, come find us and catch up on what's new. If you haven't yet, even better. Chicago's as good a place as any to start that conversation.

Our team is always more interested in listening to what's on your radar for the year ahead than running through a pitch, so come with questions, come with feedback, or just come say hi. Book time with us: https://okt.to/i3jYxl

We’ll see you soon!

Address

Ontario, CA

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm

Telephone

+18007697615

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