CISCO Credit
CISCO Credit is an independently owned Mesa, Arizona-based Credit Reporting Agency serving 500+ mortgage lenders, property managers, and employers nationwide with tri-merge credit reports, 48-hour rescores, tenant screening, and background screening via a web-based platform integrated with 50+ loan origination systems.
- Company typePrivate
- Founded1986
- HeadquartersMesa, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What CISCO Credit does
CISCO Credit is an independently owned and operated Credit Reporting Agency (CRA) headquartered in Mesa, Arizona, founded in 1986. The company delivers web-based credit reporting, tenant screening, and background screening services to over 500 mortgage lenders, banks, credit unions, property management firms, employers, and commercial businesses across all 50 states. Its core platform (CISCO Credit Online) provides instant tri-merge credit reports from all three national credit repositories within 15-30 seconds, 48-hour credit rescores submitted directly to the bureaus, undisclosed debt monitoring for up to 120 days, and a broad suite of add-on verification services spanning employment, income, assets, tax returns, social security, automated valuation, flood certification, liens and judgments, and credit simulation. A separate CISCO Screening portal handles tenant, background, criminal, drug, and employment screening with a 245+ million record criminal database.\n\nThe underlying technology is a web-based credit ordering environment with direct integrations to Fannie Mae Desktop Underwriter (DU/DO) and Freddie Mac Loan Prospector (LP) automated underwriting systems, plus 50+ Loan Origination Software platforms including Ellie Mae Encompass, Calyx Point, Mortgage Cadence, PCLender, and FiServ products. The infrastructure layer includes ICSA-certified security controls with annual audits, double firewalls, 128-bit SSL encryption, redundant bureau connections, load-balanced web servers, terabyte tape backup, battery and gas generator backup power, and compliance with Fannie Mae Day One Certainty requirements. Recent partnerships have expanded the platform's data and verification footprint: ScoreNavigator (credit optimization, October 2024), Experian Verify (income/employment, November 2023), LexisNexis RiskView (liens and judgments, October 2023), and AccountChek VODA (asset verification from 15,000+ financial institutions).\n\nCISCO Credit operates a sales-led, inside-sales go-to-market model with phone and email acquisition (800-804-0043, [email protected]) and an online application flow requiring an End User Agreement. Revenue is transaction-based across credit reports, rescores, and screening services, supplemented by account-based billing with monthly invoicing, prepaid deposit accounts, credit card processing, and multiple invoice configuration options. Pricing is quote-based and not publicly disclosed. The company holds 3 bureau compliance awards and a 30-year record of outstanding audit compliance, but operates without disclosed venture or private equity backing and without M&A or leadership change signals in the available data.
CISCO Credit firmographics
Firmographics- Name
- CISCO Credit
- Legal name
- CISCO Credit
- Website
- https://ciscocredit.com
- Company type
- Private
- Founded year
- 1986
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CISCO Credit is an independently owned Mesa, Arizona-based Credit Reporting Agency serving 500+ mortgage lenders, property managers, and employers nationwide with tri-merge credit reports, 48-hour rescores, tenant screening, and background screening via a web-based platform integrated with 50+ loan origination systems.
- Ownership category
- akta.pro rank
CISCO Credit industry classification
Industry- Product category
- Mortgage Credit Reporting Services
- NAICS
- Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
- akta.pro secondary industry
- Credit Score Monitoring & Credit Building (FSAGADAE)
Keywords
Where CISCO Credit is headquartered
LocationHeadquarters
- HQ city
- Mesa
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CISCO Credit business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Credit Report Sales: Transaction-based revenue from ordering tri-merge credit reports, individual credit reports, and specialized credit reports (infile reports with various formats). Reports are ordered electronically with instant turnaround.
- Credit Rescore Services: 48-hour credit rescore services that submit documentation directly to credit bureaus to update credit scores. Additional No-Doc fee for requests without proper documentation.
- Screening Services: Revenue from tenant screening, background screening, employment screening, criminal checks, drug testing, and verification services.
- Account-Based Billing: Monthly invoicing with various payment options including prepaid deposit accounts, credit card processing, corporate check payments. Multiple invoice format options available for different user configurations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Credit Report Ordering |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
CISCO Credit product offering
Product offeringCore offering
CISCO Credit is an independent Credit Reporting Agency (CRA) that delivers web-based mortgage credit reporting, tri-merge credit reports, tenant and background screening, credit rescore, and verification services (employment, income, deposits, assets) to lenders, banks, property managers, and employers. Its online platform integrates with Fannie Mae DU/DO, Freddie Mac LP, and 50+ Loan Origination Software systems to enable instant credit ordering, 48-hour rescores, FICO score simulation, and undisclosed debt monitoring throughout the loan closing process.
Product overview
CISCO Credit is a web-based credit reporting platform offering mortgage credit reports, tenant screening, and background screening services to over 500 lenders nationwide. The core platform (CISCO Credit Online) provides instant tri-merge credit reports with integrations to Fannie Mae DU/DO, Freddie Mac LP, and 50+ Loan Origination Software systems. Key add-on modules include Credit Rescore (48-hour rescore service), FICO Score Mortgage Simulator, and ScoreNavigator (credit analysis with Mortgage Action Plan) for credit optimization. The separate CISCO Screening platform handles tenant and employment screening including criminal searches, drug testing, and verification services. Additional modules cover income/employment verification (The Work Number, Experian Verify), asset verification (AccountChek/VODA), public records (LexisNexis RiskView), tax return verification (4506-T), and various mortgage-specific reports including AVM, flood reports, and business credit reports. The platform is FCRA compliant and has 30+ years of audit compliance.
Differentiator
Problem solved
Functional benefit
Products and services
- CISCO Credit Online Platform Web-based core platform that provides instant tri-merge and single repository credit reports, account management, invoicing, and integration with GSE automated underwriting systems and 50+ LOS providers for mortgage lenders, banks, and credit unions.
- CISCO Screening Tenant and employment background screening platform providing criminal searches, eviction records, drug testing coordination, employment/education/license verification, and credit reports for hiring and rental decisions.
- Credit Rescore 48-hour credit rescore service that submits documentation directly to Equifax, Experian, and TransUnion to update borrower credit reports and scores, delivering 30-40 point score changes and in some cases greater than 75 points.
- FICO Score Mortgage Simulator Lender-grade simulation tool built by FICO that models how specific credit actions influence a borrower's FICO mortgage score, enabling pre-qualification optimization and data-driven credit strategy.
- ScoreNavigator (Mortgage Action Plan) Credit analysis service providing Point Deduction Technology and a Mortgage Action Plan (MAP) that assigns precise point values to credit report items and offers step-by-step roadmaps for credit optimization.
- Verification of Deposit / Asset Verification (VODA) Automated asset verification service delivering instant digital statements from 15,000+ financial institutions through a secure web/mobile portal, accepted by Fannie Mae, Freddie Mac, and nearly all investors.
- Experian Verify Income and employment verification service providing real-time data through Experian's instant employer payroll network to increase efficiency, reduce cost, and improve borrower experience for mortgage lenders.
- Public Records Solution (LexisNexis RiskView) Public records report disclosing civil judgments and tax liens no longer reported by national credit bureaus, featuring 99.75% matching accuracy, integrated as an automatic addendum or on-demand option.
- SmartPay Consumer-direct credit report ordering system that enables borrowers to pull and pay for their own credit reports via a unique URL, supporting lender workflows for pre-qualification and borrower self-service.
- Soft Pull Credit Reports Credit report pull from Experian and TransUnion without inquiry impact, providing FICO score without affecting credit score, allowing pre-qualification before a hard pull.
- VantageScore 4.0 Credit Reports Credit reports leveraging the VantageScore 4.0 scoring model with integration to Fannie Mae and Freddie Mac automated underwriting systems for compliant mortgage decisioning.
Quantifiable outcome
- Score changes of 30 to 40 points, and in some cases greater than 75 points through 48-hour credit rescore
- +4 more outcomes
Companies that use CISCO Credit
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
CISCO Credit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration33 records
Feature9 records
CISCO Credit partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- ScoreNavigatorcoreStrategic partnership announced October 2024 introducing ScoreNavigator's Mortgage Action Plan (MAP) to CISCO Credit's network of lenders. ScoreNavigator provides Point Deduction Technology for analyzing credit reports with precise point values assigned to credit items. The partnership delivers customized credit insights, action-oriented plans, target score simulators, and long-term credit management tools to help lenders guide clients through credit optimization.
- AccountChekcoreAccountChek provides automated asset verification from more than 15,000 financial institutions. Integrated with CISCO Credit platform to deliver VODA reports in minutes. Accepted by Fannie Mae, Freddie Mac, and nearly all investors. Patented technology that eliminates the need for paper bank statements.
- Fannie MaecoreInterface with Fannie Mae Desktop Underwriter (DU) and Desktop Originator (DO) for automated underwriting integration. Supports Fannie Mae's Day One Certainty initiative through Verification of Deposits and Asset verification services.
- Freddie MaccoreInterface with Freddie Mac Loan Prospector (LP) for automated underwriting integration. Credit reports and verification services support loan approval through Freddie Mac automated underwriting.
- The Work Number (Equifax)coreLeverages The Work Number database of income and employment records from over 5,500 employers nationwide, including over 75% of Fortune 500 companies. Provides detailed employer compensation data including wages, bonuses, commissions, and overtime.
- Loan Origination Software PartnerscoreIntegration with 50+ Loan Origination Software systems including Ellie Mae Encompass, Calyx Point, Banker Systems ARTA, Blueberry Systems, Box Home Loans, Mortgage Builder, Mortgage Cadence, PCLender, and many others. Direct, AgentLink, and ePass integration options available.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
CISCO Credit competitors and assessment
Company assessmentDirect peers
- Advantage Credit Network (now Veritas Credit): Direct mortgage credit reporting agency serving lenders nationwide with tri-merge credit reports, rescores, and verification services. Closest head-to-head competitor to CISCO Credit in the independent CRA channel.
- Credit Plus (a Veritas company): Independent CRA offering mortgage credit reports, tri-merge, verification and screening to lenders. Directly comparable business model, customer base (mortgage lenders), and product set to CISCO Credit.
- QuestSoft (Quality Data Systems): Mortgage compliance and credit data provider serving lenders with credit reports, compliance reviews, and QC services. Comparable mid-market lender customer base and credit-reporting product overlap.
- LoanBeam (FormFree): Income and asset verification provider competing directly with CISCO's VODA/Experian Verify/The Work Number stack. Comparable mortgage verification product offering and target customer (lenders).
- CRS Group (Credit Reporting Services): Independent mortgage credit reporting agency serving mid-market lenders with tri-merge reports, rescores, and screening. Direct peer in the independent CRA channel with comparable scale and customer profile.
Broad incumbents
- DataVerify (ICE Mortgage Technology): Part of Intercontinental Exchange's mortgage technology suite, offering fraud detection, verification, and data services to lenders. Broader portfolio than CISCO but overlapping credit and verification capabilities at greater scale.
- MeridianLink: Public fintech platform for credit unions and banks offering loan origination, account opening, and credit data workflow. CISCO integrates with MeridianLink-powered LOS systems; broader incumbent with adjacent data services.
- TransUnion SmartMove: Tenant screening and credit reporting service from one of the three national bureaus. Competes with CISCO Screening in the tenant/landlord market and shares upstream bureau dependency.
- Black Knight / ICE Mortgage Technology: Dominant mortgage technology provider (Encompass LOS, Empower, etc.) with embedded credit ordering and verification capabilities. Large incumbent whose LOS systems CISCO integrates with; could disintermediate resellers at scale.
Emerging players
- Yardi Screening Solutions: Tenant screening integrated with the Yardi property management platform. Adjacent competitor to CISCO Screening focused on the property management vertical, with software-bundled distribution.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
CISCO Credit social profiles
Digital presenceCISCO Credit compliance and trust
Trust signalCompliance1 record
CISCO Credit financial estimates
Financial estimateRevenue estimate
Valuation estimate
CISCO Credit leadership team
Management profileNumber of profiles
CISCO Credit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CISCO Credit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CISCO Credit
What does CISCO Credit do?
CISCO Credit is an independent Credit Reporting Agency (CRA) that delivers web-based mortgage credit reporting, tri-merge credit reports, tenant and background screening, credit rescore, and verification services (employment, income, deposits, assets) to lenders, banks, property managers, and employers. Its online platform integrates with Fannie Mae DU/DO, Freddie Mac LP, and 50+ Loan Origination Software systems to enable instant credit ordering, 48-hour rescores, FICO score simulation, and undisclosed debt monitoring throughout the loan closing process.
Is CISCO Credit a public or private company?
CISCO Credit is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CISCO Credit founded?
CISCO Credit was founded in 1986. It employs 11 to 50 people.
Where is CISCO Credit based?
CISCO Credit is headquartered in Mesa, United States, in the North America region.
How does CISCO Credit make money?
Four revenue lines are on record. Credit Report Sales are the primary driver. The others are credit Rescore Services, screening Services and account-Based Billing.
Who are CISCO Credit's main competitors?
Direct peers on record are Advantage Credit Network (now Veritas Credit), Credit Plus (a Veritas company), QuestSoft (Quality Data Systems), LoanBeam (FormFree) and CRS Group (Credit Reporting Services). Broad incumbents are DataVerify (ICE Mortgage Technology), MeridianLink, TransUnion SmartMove and Black Knight / ICE Mortgage Technology. Yardi Screening Solutions is listed as an emerging player.
Does CISCO Credit have an API?
No public API is recorded for CISCO Credit.
What industry is CISCO Credit in?
CISCO Credit's product category is Mortgage Credit Reporting Services. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies, with a secondary code of FSAGADAE, Credit Score Monitoring & Credit Building. Its NAICS code is 561450 and its SIC code is 7320.