Certified Credit

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

06/02/2026

If your loan officers are leaving your LOS to complete a verification, it may be a vendor problem more than a workflow problem.

One credit union was building manual workarounds around their credit reporting provider's integration gaps, specifically around Tax Return Verification ordering through MeridianLink.

After switching to Certified Credit:
✅ TRV ordering inside the LOS
✅ Soft pull + hard pull with saved credentials
✅ No more system-switching mid-workflow
✅ Onshore, FCRA-certified support when they need it

Read the full story here: https://bit.ly/43942MA

06/01/2026

Closing loans efficiently means cutting out the steps that slow you down.
At Certified Credit, we are always working to make credit ordering faster and easier for our lender partners. Several new Encompass Partner Connect features now help you do exactly that, with fewer repulls and fewer manual steps along the way:

✅ Adjust applicants on an existing report without repulling credit
✅ Swap borrowers and co-borrowers directly in Encompass
✅ Unmerge joint reports into individual reports in place
✅ Set your preferred liability options to apply automatically
✅ Pull credit file invoices straight into your eFolder

The result: loans that keep moving, lower costs, and fewer unnecessary inquiries for your borrowers.

Want to put these to work for your team? Reach out to your account manager or message us to learn more.

Post-closing defects don't start at closing.They start weeks earlier, in the gaps your verification process left open.In...
05/29/2026

Post-closing defects don't start at closing.

They start weeks earlier, in the gaps your verification process left open.

Income inconsistencies. Undisclosed debt. Valuation discrepancies. Missing trailing docs. Fraud that slipped through.

These aren't random. They're predictable. And preventable.

We broke down the 5 most common post-closing errors and the verification gaps behind each one: https://okt.to/ITjVMt

VantageScore 4.0 doesn't just look at where a borrower stands right now. It looks at how they've been managing credit ov...
05/28/2026

VantageScore 4.0 doesn't just look at where a borrower stands right now. It looks at how they've been managing credit over the past couple of years.

That extra context matters. Two borrowers can have the same balances today, but one's been paying things down and the other's been slowly building debt. Older scoring approaches treat them the same. Newer ones don't.

FICO 10T works in a similar way. Both models are part of the same shift toward giving lenders a fuller picture.

For lenders, this means cleaner signals on who's trending in the right direction and earlier flags on who isn't.

Want the full guide? https://okt.to/1iDuXw

P.S. Trended data isn't required to pull a VantageScore 4.0. It's a bonus when it's available, not a hurdle.

The 30-45 days between application and closing? That's where your risk lives.Borrowers can open new accounts, miss payme...
05/27/2026

The 30-45 days between application and closing? That's where your risk lives.

Borrowers can open new accounts, miss payments, or increase their balances, all while you're working toward a close. And if those changes go undetected, you're looking at last-minute fallout, delivery defects, and potential repurchase demands.

Cascade UDM monitors your borrowers' credit activity in real time and alerts you within 24 hours of any changes, like new tradelines, inquiries, DTI increases, late payments, and more.

Catch issues when you can still act on them. Not after funding.

🔹 Fewer closing surprises
🔹 Stronger QC documentation
🔹 Better protection against repurchase risk

Learn how Cascade UDM protects your pipeline from application through delivery: https://okt.to/bSFmqN

One repurchase demand wipes out the margin on multiple loans. That's the math lenders are working with right now.Average...
05/26/2026

One repurchase demand wipes out the margin on multiple loans. That's the math lenders are working with right now.

Average cost to originate: $11,800. Average repurchase cost: $32,288. And undisclosed liabilities have been Fannie Mae's #1 discretionary review defect for two consecutive years.*

The window to catch these issues is before funding, not after a GSE comes asking. A credit refresh at closing, paired with verified income data, gives your QC team a documented snapshot to work from.

Full breakdown of what post-closing actually covers (and where exposure is highest): https://okt.to/I2ckua



*Sources: Freddie Mac, Reggora, STRATMOR Group

05/25/2026

Who else is counting down to OMBA 2026?

Ben Glaser and Chris Roth will be heading to Ohio ready to connect with lenders on what actually moves the needle: faster verifications, leaner workflows, and real cost savings from application to close.

If you're looking for a better way to manage credit decisioning, let's talk. Book time here: https://okt.to/Ldjouw

VantageScore 4.0 is a tri-bureau credit scoring model built on a sample of roughly 45 million consumer credit files. Sam...
05/23/2026

VantageScore 4.0 is a tri-bureau credit scoring model built on a sample of roughly 45 million consumer credit files. Same 300 to 850 range you already know. What makes it different from Classic FICO is what goes into the score.

Three things to know:

1️⃣ It uses trended credit data, meaning balance and payment patterns over time, not just a single snapshot.

2️⃣ It applies machine learning to score thin-file and dormant-credit consumers that conventional models miss. Roughly 33 million more consumers become scoreable.

3️⃣ It ignores paid collections entirely and excludes medical collections from the calculation.

For lenders, that could mean a larger, more accurate applicant pool without loosening credit standards.

Read the full breakdown of how VantageScore 4.0 stacks up against FICO on our blog: https://okt.to/vUVHx5

05/22/2026

Certified Credit is heading to Daytona Beach! ☀️

Mark Teta will be at the MBAF Eastern Secondary Conference & Annual Convention June 9–11 in Daytona Beach, connecting with lenders and mortgage pros from across Florida and beyond.

If you're looking for ways to cut costs, streamline verification workflows, and close loans faster, let's talk. Certified Credit partners with lenders to simplify the process from prequalification through closing so your team can move smarter.

Find Mark at the show or book a time to meet: https://okt.to/WlZ2Ak

05/21/2026

In case you missed it, UWM just became one of the first major wholesale lenders to accept VantageScore 4.0 for conventional loan pricing, giving thousands of brokers dual-score access alongside FICO®.
Here's why it matters.

The scoring model landscape isn't evolving slowly anymore. It's shifting in real time, and the lenders who move fastest are the ones who already know their tools, their data, and who to call when guidelines change.

VantageScore 4.0 opens doors for borrowers who didn't have them before: thin-file applicants, first-time buyers, and borrowers with medical debt or limited traditional credit history. Those aren't hypothetical scenarios. They're real people sitting in your pipeline right now.

And when a borrower qualifies under both FICO and VantageScore, the higher score can unlock better LLPAs. That's measurable savings for your client and a competitive edge for you.

Certified Credit helps you understand exactly what these changes mean for your business and how to move confidently as more lenders follow UWM's lead.

Looking for the latest VantageScore news? Visit our VantageScore Resource Center: https://okt.to/1foH5U

Or, download our VantageScore guide: https://okt.to/Ty41ig

Have more questions? Contact our team today: https://okt.to/vfdujr

Address

Ontario, CA

Opening Hours

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

Telephone

+18007697615

Website

Alerts

Be the first to know and let us send you an email when Certified Credit posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Certified Credit:

Shortcuts

Share

Category