Certified Credit

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

Before you order a full credit simulation, what if you could already see a borrower's score potential?FICO Score Potenti...
06/24/2026

Before you order a full credit simulation, what if you could already see a borrower's score potential?

FICO Score Potential is coming soon to the FICO Score Mortgage Simulator through Certified Credit, and it changes how you work your pipeline from day one!

With a quick preview of each applicant's possible FICO Score increase across all three bureaus, you can instantly assess whether a borrower has room to reach a higher qualifying threshold, before a single order is placed.

Less time on the wrong files. More time helping borrowers reach qualification.

We are excited to be among the first platforms in the industry to bring this capability to market. More details coming late June.

For decades, mortgage credit scoring has meant one thing: Classic FICO. That's no longer the case.Lenders now have three...
06/23/2026

For decades, mortgage credit scoring has meant one thing: Classic FICO. That's no longer the case.

Lenders now have three models in play across the conforming market: Classic FICO, FICO 10T, and VantageScore 4.0. Each one was built for a different moment, with different data, and different priorities. They're all valid. They just see borrowers a little differently.

→ Classic FICO is the long-standing standard. It's been the backbone of GSE-backed lending for nearly 30 years, and it's still in wide use today.

→ FICO 10T is the modernized version of the FICO model. It adds trended credit data to the mix, giving lenders a fuller view of how a borrower's balances and payments have moved over time.

→ VantageScore 4.0 is the newest tri-bureau model in the conforming space. It uses trended data, applies machine learning to score thin-file consumers, and incorporates rent payments when they're reported.

All three are valid options under the current GSE framework. The right call depends on the lender, the loan, and where each model is in their adoption curve.

Our Vantage Score 4.0 guide walks through each model in detail: https://okt.to/igwIcZ

What if you never had to manually run scenario after scenario again?With FICO Smart Plans, now available through the FIC...
06/22/2026

What if you never had to manually run scenario after scenario again?

With FICO Smart Plans, now available through the FICO Score Mortgage Simulator and Certified Credit, you do not have to!

Instead of building every simulation by hand, Smart Plans automatically generates up to three personalized credit action plans based on each borrower's FICO Score and credit profile. Set a target score. Work within a budget. Or let the system find the optimal path.

You get a clear plan. Your borrower knows exactly what to do next. And you move faster toward the close.

FICO Smart Plans is live and ready to use today. Learn more or get started by contacting [email protected].

06/22/2026

The quiet period isn't actually quiet.

Borrowers are most likely to take on new debt during three specific windows: right after application, after conditional approval, and in the final days before closing.

If your monitoring strategy treats the quiet period as one flat risk zone, you could be missing the moments that matter most, and discovering undisclosed debt only after it's created a defect or repurchase demand.

The data is clear: ~1 in 20 borrowers apply for an auto loan the same month as their mortgage.* The window matters.

Read our latest article to learn how risk shifts across each stage of the process: https://okt.to/9Wf1jy



*Source: Equifax

In case you missed it: FICO World 2026 handed lenders a to-do list.Whether you're an IMB, credit union, or large retail ...
06/19/2026

In case you missed it: FICO World 2026 handed lenders a to-do list.

Whether you're an IMB, credit union, or large retail lender, the preparation looks the same:

→ Understand how your borrower portfolio scores under VantageScore 4.0 and FICO 10T
→ Know how qualification and pricing shift across borrower segments
→ Prepare your LOs to explain score differences to consumers
→ Evaluate your LOS integrations and workflow readiness
→ Plan for borrowers who qualify under one model but not the other
→ Identify compliance and training gaps before implementation

The lenders waiting for full industry adoption to start? They'll already be behind.

The transition is underway today. Full FICO World 2026 breakdown here: https://okt.to/ZJbkr7

Contact us today to talk about how these changes impact your team: https://okt.to/pFcNq0

We had a blast at MBAF this year! 🎸Mark Teta represented Certified Credit in a big way and yes, the Rock & Roll Air Guit...
06/18/2026

We had a blast at MBAF this year! 🎸

Mark Teta represented Certified Credit in a big way and yes, the Rock & Roll Air Guitar networking event definitely lived up to the hype.

Beyond the entertainment, one thing stood out: the opportunity to connect face-to-face with lenders and industry professionals who are navigating many of the same challenges and opportunities shaping today's mortgage market.

The strongest partnerships aren't built around products and price. They're built on trust, responsiveness, and knowing there's a team behind the technology.

A special thank you to speaker Steve Richman for an insightful session and to everyone who spent time connecting with Mark throughout the conference. The conversations were just as valuable as the event itself.

Looking forward to continuing those discussions and supporting lenders across Florida and beyond!

Your borrower finances a new car three weeks before closing.Your loan funds on schedule. Then your investor finds it dur...
06/17/2026

Your borrower finances a new car three weeks before closing.

Your loan funds on schedule. Then your investor finds it during delivery review.

Now you're facing a $32,000+ repurchase demand.

This is exactly the scenario undisclosed debt monitoring is supposed to prevent, but not all UDM solutions are built the same.

Before your next loan closes, ask your credit provider:

→ Does your tool monitor more than just new tradelines?
→ How fast do you deliver alerts after a triggering event?
→ Which LOS platforms do you integrate with?
→ What's your default monitoring window and can it be extended?
→ What does your pricing actually look like per file?

The answers will tell you whether your UDM solution is protecting your pipeline or just checking a compliance box.

We broke down all five questions (and what good answers look like) in our latest article: https://okt.to/H6YvZy

What a great time at the Ohio MBA Conference!Our team loved connecting with lenders across the state and having meaningf...
06/16/2026

What a great time at the Ohio MBA Conference!

Our team loved connecting with lenders across the state and having meaningful conversations about the opportunities and challenges shaping today's mortgage market.

Across dozens of conversations, one thing was clear: lenders want more than a vendor. They want a partner who understands their business, responds when it matters, and helps them navigate an increasingly complex lending environment.

Chris Roth, Jeff Woltemath and Ben Glaser had a great time catching up with industry peers including Abigail Villegas, Jen Peachman, Jodi Hall and meeting the new OMBA leadership team.

Thank you to everyone who shared their insights and perspectives. We're proud to support lenders with the service, flexibility, and expertise they need to keep moving forward.

Great connecting with lenders at the Ohio MBA Conference! One theme came up again and again: lenders want more than a ve...
06/16/2026

Great connecting with lenders at the Ohio MBA Conference! One theme came up again and again: lenders want more than a vendor, they want a responsive partner who understands their business. Thanks to everyone who shared insights and stopped by to connect.

Repurchase demands. Delivery delays. Regulatory scrutiny.The cost of post-closing defects goes well beyond the loan file...
06/16/2026

Repurchase demands. Delivery delays. Regulatory scrutiny.

The cost of post-closing defects goes well beyond the loan file.

In Q3 2025, income issues alone drove over a third of Freddie Mac's repurchase requests. Undisclosed debt, valuation gaps, and fraud aren't far behind.

The fix isn't better post-closing QC. It's a stronger verification process from the start.

Cascade UDM, Cascade VOE, and Certified Credit's fraud solutions are built to close those gaps before they become repurchase risk.

Read more: https://okt.to/ImzhTr

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