Mortgage Credit Link

Mortgage Credit Link

Mortgage Credit Link (MCL) is a plug-and-play web-based order fulfillment hub. It simplifies product ordering with an intuitive web interface and integrated tools for order fulfillment. A one-stop solution for institutions that provide verification services, MCL offers products and services such as trended credit data and analytics. A comprehensive list of product and service APIs allows for integrations into any application for a seamless experience to eliminate human error and to reduce costs. Take advantage of our growing number of direct integrations into loan origination systems and automated underwriting systems such as Ellie Mae’s Encompass and Fannie Mae’s Desktop Underwriter. Making integration into any application a breeze, simple XML APIs are supported by dedicated integration staff.

Features

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Tri-merged Credit Reports

Pull credit bureau data from Equifax, Experian and TransUnion within seconds. A sophisticated algorithm balances variations in reports to create a single, highly accurate credit report.

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Streamlined Order Fulfillment

A one-stop solution for financial institutions that provide verification services, MCL offers products and services such as trended credit data and analytics to optimize performance. Use SmartPay to create a custom consumer-facing lead generation and credit ordering portal.

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All-encompassing Integrations

Take advantage of our growing number of direct integrations into loan origination system (LOS) and automated underwriting system (AUS) technology, such as Ellie Mae’s Encompass and Fannie Mae’s Desktop Underwriter.

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Consolidated Management

With a full suite of built-in billing tools, management reports and flexible user account management features, MCL integrates all management operations into a single application.

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Simplified Reporting

Easily download reports on sales volume, regional activity, accounting and profitability. Manage user accounts for ordering and billing preferences. Access rights and corporate structures on one easy-to-use page. Automate invoicing and easily export billing data into QuickBooks or other accounting systems.

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Integrated Task Management Tools

Integrated automation tools for task management and communication tools for customer interaction. Paperless document management with secure document editing and sending abilities directly in the application. Built-in faxing enables efficient workflows and centralized operations.

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Automated Payments

Make or schedule automatic credit card or ACH payments directly in MCL. Easily access information on past account activity including invoices, downloadable reports and spreadsheets.

"Our biggest advantage is the ability to stay on top of current industry trends and compliance policies, which is all thanks to our partnership with MeridianLink. Mortgage Credit Link allows us and our end-users to have the best user experience in the credit reporting industry – period."

Travis Fawcett, VP of Operations, Premium Credit Bureau

Benefits

Stay Out Front

The ideal verification service platform is secure, reliable and constantly evolving. MCL uses industry-leading functionality to help financial institutions stay ahead of the curve while streamlining operations.

Minimize Risk

MCL’s commitment to developing and maintaining a secure application comes from multifactor authentication, Payment Card Industry (PCI) compliance and innovative ordering limits to mitigate the risk in situations where credentials could be compromised.

Stay Compliant

MCL’s design helps you keep up with difficult regulatory demands. Integrated compliance tools simplify complex regulatory requirements from Equifax, Experian, TransUnion and other credit reporting agencies.

Gain Peace of Mind

This product’s perpetual evolution over nearly 20 years as well as its focus on robust and reliable application development with nearconstant uptime provides peace of mind for any user. MCL also offers responsive 24-7 support and integrated self-help features.

Call or Schedule a Demo

Whether you're in the preliminary stages of research or looking for detailed answers that may require a demo, our team is always available to discuss your options and how we can help.

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