Since 1990
Credit Technologies invented rapid credit rescoring in 1997 and has served the mortgage industry for 36 years — building proprietary compliance tools and delivering FCRA-certified tri-merge reports to more than 15,000 mortgage professionals nationwide.
Our Story
Credit Technologies, Inc. was founded in 1990 in Canton, Michigan with a simple mission: give mortgage lenders faster, more accurate credit data and the expert support to use it effectively.
In 1992, we launched CrediTrack® — one of the mortgage industry’s first portfolio tracking and enhancement programs. By 1997, we had invented the rapid credit rescoring process that became Score Express™, a service no other credit reporting agency could match. In 2005, Credit Insight launched as a member-only training and analyst support program, giving every CTI lender free access to real-time file review and scoring guidance. In 2022, BestQualify℠ introduced the industry’s first zero-cost credit reporting program, eliminating out-of-pocket credit expenses while opening Realtor and builder referral channels.
Today, Credit Technologies delivers tri-merge reports from all three bureaus in under 5 seconds, integrates with dozens of LOS platforms, and provides more than 25 solutions spanning compliance, verification, fraud detection, and score optimization. Every report is handled by FCRA-certified staff who understand mortgage lending from application to closing.
We remain independently owned, lender-focused, and committed to the principle that started it all: the best technology is only as good as the people behind it.
What Sets Us Apart
CTI invented the rapid credit rescoring process in 1997. Score Express™ analysts average 20+ years of experience and deliver a 23.9-point FICO® increase in under 72 hours.
Every member of our team is FCRA/FACTA certified. We don't outsource compliance — it's built into every report, every call, and every interaction.
Tri-merge reports from Equifax, Experian, and TransUnion delivered in under 30 seconds, integrated directly into your LOS workflow.
AI-assisted first response, backed by real experts. Chat with Jarvis AI for instant answers, or call 800-445-4922 and reach a knowledgeable team member — Monday through Friday, 8:30 AM to 8:00 PM EST.
Seamless integrations with Encompass, BytePro, Calyx, MortgageFlex, OpenClose, and dozens more. If your LOS supports credit, we connect with it.
Our flagship zero-cost credit program eliminates out-of-pocket credit expenses, opens Realtor and builder referral channels, and powers your marketing automation.
Our Products
From credit reports to compliance, from rescoring to risk management — Credit Technologies offers the most comprehensive product suite in independent mortgage credit reporting.
What Our Clients Say
"Absolutely love Credit Technologies! Before I heard about Credit Technologies, I tried a few other credit companies, and none were as good as CT. Buddy Manuel, my company rep, is truly amazing. He is trustful, professional and knowledgeable. He makes you feel like a member of the family."
— Stephen Ryan, Atlantic Mortgage and Funding
Our Leadership
Thomas Conwell founded Credit Technologies in 1990 in Canton, Michigan — and still leads the company today. A past president of the National Consumer Reporting Association (NCRA), Conwell has spent more than three decades shaping industry standards for mortgage credit reporting. In an industry where most credit reporting agencies have been acquired by private equity or consolidated into faceless platforms, CTI remains independently owned and operator-led. That means decisions are made by people who understand mortgage lending, not by investors optimizing for quarterly returns.
"When you call CTI, you’re reaching a team that answers to clients — not to shareholders." — Thomas Conwell, President & Founder