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ACRAnet-CDS Service with a personal touch since 1926.
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ACRAnet - CDS has been serving the mortgage reporting and credit information needs of businesses throughout the Southeastern U.S. since 1926. We take great pride in our work and strive to provide customers with the best service possible in a timely and efficient manner. Our reputation is based on quality service and loyalty to all of our customers. With dedicated employees, we strive to maintain customer relationships in a friendly, yet professional and ethical manner, while at the same time focusing on the individual needs of each customer, big or small.

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CDS offers a wide array of products and services to help lenders close loans more efficiently and effectively. Some of the products and services we offer are as follows:

  • Single, Double, or three-merged Infile credit reports from Equifax, TransUnion, or Experian.
  • Traditional & Non-traditional RMCR’s.
  • Fannie Mae and Freddie Mac connectivity.
  • Tax Return & W2 Verification Reports.
  • RE-SCORE service.
  • SharperLending (bundled service platform)
  • CreditXpert® (score simulation products)
  • Bankruptcy Paper Service

For a complete list of the products and services that we have to offer, click here.

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In addition to offering a wide array of products and services, CDS is committed to the technological needs of its customers. CDS strives to always stay on the cutting edge of technology. XpertOnline™, our mortgage credit reporting processing system which is powered by Synergistic Software, Inc., is a complete internet-based credit access and processing center, which allows customers to easily order credit reports, view detailed billing and management reports, order credit supplements, and retrieve updated reports with a simple click of the mouse! No software installation required!

XpertOnline can be interfaced with most major LOS packages directly via the internet:

  • Byte The Qualifier Series
  • Calyx Point
  • Ellie Mae - EPASS
  • Encompass
  • FiServ EasyLender
  • Harland E3
  • Mortgagebot

To view a complete list of the LOS packages that can be interfaced
to XpertOnline, click here.

* Custom MSIMO interfaces to XpertOnline are also available for development.

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  • Consumer Data Industry Association
  • East Mississippi Business Development Corporation
  • Mortgage Bankers Association of Alabama
  • Mortgage Bankers Association of Mississippi
  • National Credit Reporting Association, Inc.

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This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.