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ABOUT US

ACRAnet - CDS (formerly known as Credit Data Systems) 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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PRODUCTS & SERVICES

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.

CDS is also pleased to announce a new web-based platform that we now have to offer known as Sharper Lending. SharperLending 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 and anywhere through the SharperLending web site. Some of the different product offerings available through the SharperLending website are as follows:
 
  • Credit Reports
  • Flood Reports
  • AVM’s (Automated Valuation Models)
  • Title Reports
  • Appraisal Reports
  • Closing Documents

For more information about Sharper Lending and how you can put it to work for you to close loans more efficiently and effectively, click here.

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TECHNOLOGY
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 also be interfaced with most major LOS packages and requires little or no software installation. Our latest LOSActiveX™ interface is a simple, internet-based configuration that eliminates any software installation and interfaces directly to the following LOS packages via the internet:
 
  • Byte The Qualifier Series
  • Calyx Point v3.6c and Up
  • Dynatek Mobile Loan Office
  • Eastern EMPOWER
  • Ellie Mae - EPASS
  • Encompass
  • FiServ EasyLender
  • Harland E3
  • Mortgageware

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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ACRAnet - CDS IS A MEMBER OF THE FOLLOWING ASSOCIATIONS:
  • Consumer Data Industry Association
  • East Mississippi Business Development Corporation
  • Mortgage Bankers Association of Alabama
  • Mortgage Bankers Association of Mississippi
  • Mortgage Brokers Association of Alabama
  • Mortgage Brokers Association of Mississippi
  • National Credit Reporting Association, Inc.

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