CreditPlus

Name

CreditPlus

Legal name

Xactus

Website

https://creditplus.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Mortgage Verification Software

NAICS

Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE)

akta.pro secondary industries

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA), Credit Decisioning Engines (Rules, Scorecards, ML) (FSAGAHAB), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)

Keywords

• Mortgage verification services
• Credit verification platform
• Income employment verification
• Loan origination integration
• Property valuation solutions

Headquarters

HQ city

Salisbury

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Revenue model

1. Verification Data Products: Xactus delivers verification data products to lenders in the mortgage industry. With 50M+ verification data products delivered and 20M borrowers covered, the company generates revenue through transaction-based verification services to lenders

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

CreditPlus delivers verification solutions for the mortgage industry through its Intelligent Verification Platform, providing credit verification, income and employment verification, fraud detection, property solutions, score optimization, and data solutions to mortgage lenders. The platform combines data-at-scale, AI technology, and domain expertise with over 50 integrations to industry loan origination, point-of-sale, and servicing systems to automate verification workflows and accelerate lending decisions.

Product overview

Xactus is a fintech company offering verification solutions across the financial services and mortgage industry. The product portfolio centers on Xactus360, an industry-first Intelligent Verification Platform that serves as the core technology layer. Around this platform, Xactus offers six integrated product categories: Credit, Income & Employment/Verifications, Fraud Detection & QC, Property Solutions, Score Optimization, and Data Solutions. The company has also expanded through acquisitions, adding Mortgage Credit Link (now branded as XedaLink), and maintains sub-brands including MassiveCert, TenantReportX, and Xiris Valuations. Xactus360 provides over 50 integrations to industry LOS, POS, and Servicing systems, with advanced AI capabilities enabling intelligent automation and dynamic verification workflows.

Differentiator

Problem solved

Functional benefit

Brands

• Xactus360: Industry-first Intelligent Verification Platform that automates solutions, delivers faster decisions, and advances the modern mortgage
• Xactus U
• XedaLink
• MassiveCert
• TenantReportX
• Xiris Valuations

Products and services

• Xactus360 Intelligent Verification Platform An AI-driven, data-driven, scalable verification platform for mortgage lenders that automates verification workflows, delivers faster lending decisions, and integrates with LOS, POS, and Servicing systems via 50+ pre-built connectors and client-specific APIs.
• Credit Credit verification and reporting solutions for the mortgage industry, enabling lenders to assess borrower creditworthiness.
• Income & Employment (Verifications) Income and employment verification solutions for mortgage lenders to confirm borrower income and employment status during the loan origination process.
• Fraud Detection & QC Fraud detection and quality control solutions designed for mortgage processes to identify and prevent fraudulent loan applications.
• Property Solutions Property-related verification and solutions for mortgage lending, supporting property data and collateral assessment workflows.
• Score Optimization Credit score optimization solutions designed for borrowers and used by lenders to maximize borrower credit scores during mortgage qualification.
• Data Solutions Data solutions for the mortgage ecosystem, providing aggregated data assets that power verification workflows and analytics.
• XedaLink Mortgage credit link verification services brand acquired from MeridianLink as Mortgage Credit Link (MCL) and rebranded to XedaLink.
• MassiveCert Certification-related product/service brand within the company's portfolio supporting certification workflows.
• TenantReportX Tenant screening and reporting product/service within the company's portfolio.
• Xiris Valuations Property valuation product/service within the company's portfolio supporting appraisal and valuation needs for mortgage lending.

Quantifiable outcome

• 50M+ verification data products delivered
• +3 more outcomes

Named customers1 record

Segments2 records

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability1 record

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• MeridianLinkcoreStrategic or Co-development Partner · 27 May 2026Xactus acquired Mortgage Credit Link (MCL) from MeridianLink and introduced new brand XedaLink. This strategic acquisition expands Xactus verification capabilities and introduces new brand identity to the market.
• ExperiancoreTechnology or Integration · 12 May 2026Xactus enhanced Xactus360 with Experian Verify Preview Report, delivering early employment insight at no cost to lenders using the platform. This integration provides enhanced verification capabilities within the Xactus360 intelligent verification ecosystem.
• Industry LOS/POS/Servicing SystemscoreTechnology or IntegrationOver 50 integrations to industry LOS, POS and Servicing Systems as well as client-specific APIs. These integration partnerships enable Xactus360 platform connectivity across the mortgage ecosystem.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• CoreLogic (ICE Mortgage Technology): Part of Intercontinental Exchange, CoreLogic (ICE Mortgage Technology) is the largest provider of mortgage data, property information, and verification workflows in the U.S. It competes head-on with Xactus360 across property, credit, and income/employment verification for lenders.
• Black Knight (now ICE): Black Knight, acquired by ICE, provides the Empower LOS and a broad suite of mortgage technology including verification, servicing, and analytics. It is a deep platform peer because lenders increasingly expect verification embedded in their LOS — the same integrations Xactus sells into.
• Experian: One of the three national credit bureaus, Experian supplies credit reports, scores, and the Experian Verify employment data product now integrated into Xactus360. It is both a critical partner and a competitor as bureaus push deeper into mortgage verification.
• Equifax: National credit bureau offering credit reporting, income/employment data (The Work Number), and fraud analytics to mortgage lenders. Competes with Xactus on bureau-driven verification workflows and bundles verification inside its broader data stack.
• TransUnion: National credit bureau providing credit reports, trended data, and verification services to mortgage and consumer-lending customers. Competes with Xactus's Credit and Income/Employment products and has been expanding its verification footprint.
• LexisNexis Risk Solutions: Provides identity, fraud, property, and public-records data to lenders, insurers, and financial institutions. Competes with Xactus in fraud detection, property solutions, and risk-data aggregation for mortgage underwriting.

Direct peers

• CBC Innovis: Credit bureau focused on the mortgage industry, providing credit reports, fraud detection, and verification services to U.S. mortgage lenders. Direct competitor to Xactus in mortgage-specialty credit and verification.
• ServiceLink: A Fidelity National Financial company providing mortgage settlement services, valuation, and verification products to lenders. Overlaps with Xactus's Property Solutions, fraud/QC, and verification offerings across the mortgage lifecycle.

Emerging players

• FormFree (Accurate Group): Provider of asset, income, and employment verification data for mortgage lenders, focused on digital and alternative data-driven workflows. Comparable to Xactus's Income & Employment and Data Solutions products as a newer verification challenger.
• Plaid: Financial data connectivity platform increasingly used by lenders for income, employment, and asset verification via open-banking rails. Adjacent peer because it competes with Xactus's verification products in the consumer-permissioned data layer of mortgage origination.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CreditPlus