Universal Credit Services has grown to be one of the largest National providers of mortgage services, lending services and tri-merge credit reports by consistently providing the industry’s top customer service. Since 1992, Universal Credit has helped industry leaders mitigate risk, close loans faster, overcome underwriting challenges, save on costs and provide professional assistance every... show more
Xactus Reviews
5
12%
4
0%
3
0%
2
0%
1
88%
1.5
17 reviews
17 reviews
What's Your Rating?
Most Recent
Tobeawhistle
@Tobeawhistle
1 Star Rating
This company seems to be making up their own scores. Something needs to be done about this company. They need to be reported. I am about to report them.
Comment
robert leitgeb
@robert_leitgeb
1 Star Rating
All I wanted was a home equity loan. They want to refinance your house for an additional 30 years. I don't understand what this company has to do with Rocket Mortgage.
Comment
Norma Moore
@normalm84
1 Star Rating
These people ran my credit without my permission. I called them and they were so rude about it, as if I was in the wrong. It's sad they can just do that.
Comment
robgeis
@robgeis
1 Star Rating
Terrible company. I was informed that they would only perform a soft inquiry—nope—two hard inquiries from them on my report now, and my score went down 25 points.
Comment
pamela
@broadwaysmom
1 Star Rating
They keep putting hard inquiries on my account. I have no idea who they are, but it is lowering my credit score. I'm tired of it. I don't know who they are
Comment
jboscarino5
@jboscarino5
1 Star Rating
xactus is terrible. they don't have a clue to what they are doing. they put a false purcahse on my credit report. stay far away from these idiots
Comment
Jessica
@jessicam59
1 Star Rating
This company is horrible I have had to make a dispute to get them off my credit report it's awful how companies can even do ? like this I went through transunion and they took care of my issue within a week I got this off my credit report if you have had the same issue go file a report ASAP through transunion they were so amazing my credit has gone up 88 pts thanx to Transunion taking care of my dispute(s)??? I wish there was an option to give 0 Star ratings this is not a real review if you are making us give someone a minimum of "one" star???♀️
Comment
Janice
@ukiahbooks
1 Star Rating
Horrible people. I didn't ever have a loan with them, I don't know how they were able to make a loan review for scoring with anybody. LIARS! Even with being contacted, the still didn't fix this. Screw em.
Comment
Jessica
@jessicam59
@Tinkerer2014 I had the same issue and filed a dispute through transunion and they took it off my credit report it only took about a week for them to do everything I have had three fraudulent accounts taken off my credit report and my credit is so much better than it was I'm almost at 700 anyways hope this helps you good luck??
Comment
LOGAN
@darrylwashing_to_n_91_1_3_0
5 Star Rating
I closed on my mortgage with 650 credit score house was 250,000$ With 13,000$ down payment, I don’t own debt and my credit cards paid off! Credit plus ran a credit report and I was approved!!! Woohoo
Comment
1
Tinkerer2014
@Tinkerer2014
1 Star Rating
Horrible company! They treat their employees and clients like total garbage. If your bank uses XACTUS to pull credit run as far and as fast as you can!
Comment
tarek_khaled_yassin
@tarek_khaled_yassin
1 Star Rating
After 5 phone calls and 3 emails still won’t remove the hard inquire on my credit score that I did NOT authorize to take action. It will take 2 years on my credit score that I worked so hard on building
Comment
Kidd80601
@Kidd80601
1 Star Rating
NOT accurate as of three credit bureaus. The bank used Xactus to run credit, that showed judgements that had been released years ago. The credit score was inaccurate as per the three credit bureaus.
Xactus seems to be making up their own rules.
Comment
Dianne
@diannef_10
1 Star Rating
Credit Plus ran Hard Inquiry on my credit with out permission. They assured me that they was only pulling a soft copy. Mortgage should not be allowed to continue to do such. Achieving a Good Credit score is difficult!
Comment
Mike Wallacee
@FrozenPlasma
1 Star Rating
Slimy company. Same issues as other reviewers here. They keep doing credit inquires and my credit score keeps lowering due to it.
Comment
Mel
@melanie45458
1 Star Rating
The mortgage went into my credit file and pulled a credit check without my permission 14 months after I closed on my home. Totally ridiculous! It took two years for this to fall off my credit report.
Comment
2
Review Xactus
Xactus Q&A(2 questions)
Get answers to your questions about Xactus below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Upvotes
Why was this inquiry performed?
Reply
Upvotes
I applied with a mortgage loan officer to get preapproved. Credit Plus performed hard inquiry 4 days now. How long before I get a response.
Reply
