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Credit Data Systems, Inc. BBB Business Review


ACRAnet-CDS Service with a personal touch since 1926.
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  • We offer single, double, or three-merged infile reports instantly from Equifax, TransUnion, or Experian. To view a sample report, click here.

  • Single infile reports can easily be upgraded to a double or three-merged infile report, as well. If upgraded within 30 days, you receive credit for the single infile and only pay for the double or three-merged infile report.

  • Equifax’s SAFESCAN® fraud prevention service and Experian's OFAC Alert Service is standard on all reports.

  • FICO credit scores standard on all reports.

  • Easily order and receive supplement requests via the internet at XpertOnline.

  • View detailed billing and management reports via XpertOnline.

  • Several different sort options to choose from when formatting report data (i.e. Declining Balances, Derog. Info. first or last, etc…).

  • RMCR’s – we offer traditional and non-traditional Residential Mortgage Credit Reports. Residential Mortgage Credit Reports are normally completed within 48 hours from receipt of the request.

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CreditXpert® empowers you with fresh insights to uncover opportunities and make more informed decisions. A better way to manage applications and build relationships, CreditXpert enables you to adopt a consultative approach and truly serve as a trusted advisor. By improving the lending experience while introducing new business options, you close more loans.

CreditXpert empowers every individual working with applicants by providing helpful insights, predictions, and analysis. You can quickly explore options, communicate with applicants, and confidently take action and better yet, all of the CreditXpert products listed below may be used in conjunction with our RE-SCORE Service to help expedite the process of updating a consumer’s credit file to obtain updated credit information and scores from all 3 national credit bureaus within 2 to 3 days.

  • WHAT-IF SIMULATOR™ - The CreditXpert What-If Simulator™ allows users to simulate the results of actions before taking them so they can understand and test the impact that actions will have on credit scores.  Users select pre-defined scenarios (such as, increasing or decreasing balances, opening or closing accounts, transferring balances, etc.) or customize a scenario to experiment on specific accounts.  By exploring scenarios, consumers can learn if the actions are good or bad for their credit.
  • ESSENTIALS™ - The CreditXpert Essentials™ provides a quick and easy way to identify each applicant’s potential score improvement and the specific actions necessary, including how much cash is needed.  Essentials also provides a detailed analysis that breaks down an applicant's credit and identifies the top positive and negative factors, as well as their related tradelines and also allows you to experiment with available cash amounts and what the desired score improvement is.
  • DETECTIVE™ - CreditXpert Detective finds potential updates – even the ones that you may overlook. By scrutinizing the data within a particular credit report and comparing it against credit reports from the other bureaus, you can rest assured that no stone is left unturned.  CreditXpert Detective is flexible and works the way you want: use it to find all potential updates or just as many updates as you need to raise the score a specified amount.

  • CREDIT ASSURE™ - is the first service that automatically scans credit files for opportunities to raise credit scores based on accuracy or credit management updates.  Credit Assure inspects every file so you don’t have to and alerts you to opportunities and how big they are, so you don't miss out. Running in the background, scanning all your files, and utilizing proven CreditXpert optimization and simulation technology, Credit Assure automatically presents findings on every file. You don't need to know anything about credit scoring or spend time scouring credit reports-Credit Assure gives you the answers. 

    Better yet, Credit Assure only runs on those reports that you need it on.  By setting a middle cutoff score, when a credit report is pulled and the middle score is over a certain number, Credit Assure does not run and does not appear on the report, however, if the middle score is below a certain number, Credit Assure does display on the report and provides you with potential score improvement results and provides you with a link to log directly into XpertOnline to utilize the recommended CreditXpert score simulation product – Essentials or Detective to find out the recommended actions to take to help achieve the potential score improvement.

    To view a sample of how Credit Assure displays on our reports, click here.

For more detailed information about the above CreditXpert products, please click here.

CreditXpert® is a registered trademark of CreditXpert Inc.

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Do you hire? When you hire do you really know who you are hiring? Let ACRAnet help you with the critical job of employment screening. From credit reports to reference verification, department of motor vehicle screening, professional license and education verification and more, we are your one stop shop. Our criminal screening runs the gamut from county level searches (all U.S. counties available) through state and federal searches. With 1 in 32 individuals involved in the American penal system, you simply can't afford not to screen potential employees. Know. Now. With ACRAnet. Help Save time, save money and reduce your liability with ACRAnet.


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The ramification of a poor choice of renters goes well beyond the simple lost rent. You can incur huge collection and eviction costs and spend thousands in repairing damage. Perhaps most disturbing is the potential liability of allowing in unqualified renters. Let ACRAnet help you qualify your rental applicants and assure the safety of your residents and property. ACRAnet offers an extensive range of products and services that provide property owners with the information they need to successfully occupy their properties with the applicants they desire.


  • Nationwide Credit Report w/ Fraud products
  • Social Security Verification
  • National Criminal Search
  • National Sex Offender Registry Search
  • National Eviction Search
  • Rental Verification and References
  • Employment Verification
  • Applicant Review and Recommendation

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Credit Radar™ is a new cover page to your mortgage credit report that at glance makes it easier to use then ever before.  You’ll be able to instantly size up your loan applicants and spot any critical issues – all without digging through the actual credit report.

Key Components of Credit Radar:

  • Mid-score Forecast
    Forecasts the mid-score for each applicant in 30 days so you know if there may be any problems at closing.
  • Mid-score risk
    Lets you know if nominal increases in revolving balances will put the mid-score at risk of dropping.
  • Key Indicators
    Tells you if there is something that requires your attention or not.

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  • An expedited process whereby a consumer’s credit file can be updated at the bureau level with Equifax, TransUnion, or Experian, and new FICO credit scores can be accessed usually within 2-3 business days.

  • Process requires certain documentation in order to be processed by the 3 national credit bureaus.

  • Scores may or may not change as a result of the Re-Score process.

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  • Reports may be processed directly through DU/DO or a pre-qualify, merged credit report may be ordered to help determine if the report should be processed through DU/DO. All pre-qualify reports are assigned a Fannie Mae re-issue number so they may be easily sent through DU/DO for processing without having to pull a new credit report in DU/DO.

  • Tradeline update services available via XpertOnline.

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  • Availability to order three-merged infiles through LP.

  • Tradeline update services available via XpertOnline.

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  • SSN-MatchDIRECT™ verifies whether a name and Social Security Number (SSN) combination match the data in SSA’s records. SSN-MatchDIRECT™ is the result from processing the signed consent Form SSA-89. The Form SSA-89 is currently the only way to verify a Social Security Number 100% directly from the SSA.

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  • We offer direct verification of tax return information from the IRS. Our system is completely internet based and automated for easy and fast ordering and retrieval of tax transcript information.

  • Receive up to 4 years of tax return transcript information on an individual or business directly from the IRS within 1-2 business days.

  • To learn more about our Tax Return Verification Service, click here.

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The Mortgage Fraud Report (MFR) is a 30 second product that instantly accesses and validates data across billions of public records from the leading national databases to detect discrepancies in:

  • Borrower ID
  • Liens
  • Subject Property
  • Employment

Below is a chart that outlines each unique report and the type of data that is checked/verified. To view more information regarding the MFR as well as a sample MFR that contains all components of the verification process, click here.

Mortgage Fraud Report (MFR)
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  • We currently offer complete flood services through LPS National Flood, a division of Lender Processing Services (NYSE:LPS).
  • LPS National Flood is the only flood vendor that offers the exclusive product CertMap. This free, custom product is an aerial view of the property overlaid with the FEMA Special Flood Hazard Area map. This product allows your team to visually identify the proximity to a flood zone.
  • To learn more about LPS National Flood, click here.

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  • Sharper Lending gives you a fast, flexible way to order and manage multiple mortgage products from a variety of quality providers all from within one web-based platform. You can also access your reports anytime, anywhere through the Sharperlending web site.

  • To learn more about the Sharper Lending platform and to view a complete list of the products and services available via this platform, click here.

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We offer Verification of Employment/Income services through:

  • The Work Number (no employer code or salary key required)
  • I2 Verify
  • Inverify
  • VerifyJob

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