Since 1990
Credit Technologies has served the mortgage industry for over 35 years — pioneering rapid credit rescoring, 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 Wixom, 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 pioneered the rapid credit rescoring process that became Score Express™, a service no other credit reporting agency could match at the time.
Today, Credit Technologies delivers tri-merge reports from all three bureaus in under 30 seconds, integrates with dozens of LOS platforms, and provides a full suite of compliance, verification, and score optimization tools. 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.
No chatbots, no phone trees. Call 800-445-4922 and reach a knowledgeable team member who can help — 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.
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