Quick answer: Xactus LLC is a mortgage credit reporting company based in Broomall, Pennsylvania. It pulls credit reports from Experian, Equifax and TransUnion on behalf of mortgage lenders. If “Xactus” appears as a hard inquiry on your credit report, a lender used Xactus to check your credit, usually because you applied for or asked for a quote on a mortgage or refinance. Xactus says it does not keep its own database of consumer credit files.
What Is Xactus LLC?
Xactus is a business-to-business company. Consumers don’t sign up with it directly. Mortgage lenders, banks and credit unions hire Xactus to deliver a combined “tri-merge” credit report (data from all three bureaus in one report), plus verification and fraud-check services used during loan approval.
| Detail | Information | Source |
|---|---|---|
| Legal name | Xactus, LLC | BBB |
| Headquarters | 370 Reed Rd, Suite 100, Broomall, PA 19008 | BBB |
| What it is | A credit reporting agency and reseller of credit reports under the Fair Credit Reporting Act | BBB, Xactus Consumer FAQs |
| Main clients | Mortgage lenders and other lending institutions | Xactus Consumer FAQs |
| Bureaus used | Experian, Equifax and TransUnion | Xactus Consumer FAQs |
| Consumer phone | 877-224-8107 | Xactus Consumer FAQs |
| Consumer email | consumerrelations@xactus.com | Xactus Consumer FAQs |
Company Background
Xactus was formed through mergers of several long-running mortgage credit reporting companies. In August 2020, CIS Credit Solutions combined with Avantus and the Credit Bureau of Connecticut, creating a company with more than 2,000 clients (Xactus press release). UniversalCIS later merged with Credit Plus (press release), and the combined business operates as Xactus. Because of this history, some people still know it by an older name such as Credit Plus or Avantus.
Why Xactus Is on Your Credit Report
According to Xactus, the inquiry “can appear as Xactus when one of our lender clients asks for a copy of your credit report in connection with a financial transaction.” Common reasons:
- You applied for a mortgage or home equity loan.
- You asked for a refinance quote and the lender ran a full credit check.
- You got preapproved for a home loan.
- A loan officer re-pulled your credit before closing to check for new debts.
The inquiry shows Xactus, not your lender, because Xactus pulled the report on the lender’s behalf. That’s why many people don’t recognize it.
Does a Xactus Inquiry Hurt Your Credit Score?
Xactus inquiries are hard inquiries. Xactus says they stay on your report for two years but affect your FICO score for only one year. The effect is usually small, often a few points.
Shopping for a mortgage won’t multiply the damage. According to the Consumer Financial Protection Bureau, “within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry.” So you can compare several lenders within that period without each one counting separately.
Is Xactus a Scam?
No. Xactus is a real credit reporting company that works for lenders. However, an inquiry you don’t recognize is worth checking: it can be a forgotten loan application, a loan officer using your information without permission, or a sign of identity theft. Xactus’s BBB profile has many customer reviews complaining about unexpected hard inquiries, so you’re not alone if you were surprised to see one.
What to Do If You Don’t Recognize a Xactus Inquiry
- Think back 2–3 months. Did you request a mortgage quote, preapproval, refinance or home equity loan, even online?
- Contact Xactus at 877-224-8107 or consumerrelations@xactus.com and ask which lender requested your report. Xactus says it can identify the lender. You can also find their essential contact info on the Xactus site.
- Contact that lender and ask what authorization they had to pull your credit. Under the Fair Credit Reporting Act, a lender needs a “permissible purpose,” such as a credit application you made.
- If you didn’t authorize it, dispute the inquiry with each credit bureau that shows it. The FTC provides a sample dispute letter.
- If you suspect identity theft, report it at IdentityTheft.gov and consider freezing your credit with Experian, Equifax and TransUnion.
Get your free reports: you can check all three credit reports for free at AnnualCreditReport.com, the only site authorized by federal law for free reports.
How to Dispute Inaccurate Information
Xactus doesn’t create the data on your report; it passes along what the bureaus have. To fix an error:
- Through Xactus: use its Consumer Dispute Center, which forwards your dispute to the bureaus.
- Directly with the bureaus: dispute online with Experian, Equifax and TransUnion. This is often faster.
- Know your rights: read the FTC’s Summary of Your Rights Under the Fair Credit Reporting Act.
For Lenders and Businesses
Lenders use Xactus for:
- Mortgage credit reports, including tri-merge reports and rescoring.
- Verification services, such as employment and income checks.
- Fraud and quality-control reports used during underwriting.
Business clients sign in through the Xactus login portal.
Xactus LLC Careers
Xactus hires for roles in client services, operations, technology and compliance. Open positions are listed on the Xactus LLC careers website, and you can read employee reviews on Glassdoor.
FAQs
What is Xactus LLC? A mortgage credit reporting company that pulls credit reports from Experian, Equifax and TransUnion for lenders.
Why is Xactus on my credit report? A mortgage lender or other lending client used Xactus to check your credit, usually for a mortgage, refinance or preapproval.
Is a Xactus inquiry a hard inquiry? Yes. It stays on your report for two years but affects your FICO score for about one year.
How do I find out which lender pulled my credit through Xactus? Call Xactus at 877-224-8107 or email consumerrelations@xactus.com.
Will shopping multiple mortgage lenders hurt my credit? Multiple mortgage credit checks within 45 days are recorded as a single inquiry, according to the CFPB.
How do I remove a Xactus inquiry? Only unauthorized inquiries can be removed. Confirm the lender, then dispute it with the credit bureaus if you didn’t apply.
Also read these articles:
- Newrez LLC | Trusted Mortgage Loans & Home Financing Solutions
- Pennymac Loan Services LLC
- Midland Funding LLC: Debt Collection & Credit Reports
- Jefferson Capital Systems LLC: Debt Collection Guide
- 5 Important Considerations To Make When Applying For An Apartment
This article is for general information only and is not legal or financial advice. It is not affiliated with Xactus, LLC. Facts were checked against public sources on October 3, 2026.
