“Because Universal Lending has been in business for 30 years we have utilized many different credit reporting agencies. Advantage Credit compares to no other. Their prompt, accurate and reliable credit reporting services have become one of our greatest customer service assets. Our employees have relied on their very interactive sales team and customer service department and we have become real partners in helping homebuyers achieve their dreams.”
– Pete Lansing, President of Universal Lending Corporation
“Advantage Credit’s Monitoring Advantage platform is a key piece of our mortgage company’s client retention plan. It helps us generate repeat business to stay profitable, and instantly notifies us of potential future recaptures providing us time to address each one personally and promptly. The service’s monitoring, sourcing, and notification tools are constantly being updated and improved upon. Thank you Advantage Credit! Keep up the good work!”
-David Adams WaterMark Home Loans
“We have just started using Monitoring Advantage from Advantage Credit and the results have exceeded my expectations. We have been able to convert 8% of the leads into closed loans. The leads arrive more quickly, more accurately and more conveniently than from our previous supplier which has improved our ability to close more loans. The interaction with Monitoring Advantage is quick and the support provided by the Advantage Credit staff is excellent. They also generate monthly reports for us which provide us with the information we need to validate the success we are having. We look forward to continuing to leverage this tool to monitor our data base and continue to grow our business.”
– Lance Levin, TruWest Credit Union
“We have been working with Advantage Credit for several years and they continue to exceed our expectations. Their service is second to none and the ability to speak with a live representative is invaluable in our business when you need help immediately. Couldn’t give a stronger recommendation for this service provider. Proud to call them friends!”
– Rod Shuster, Eagle Home Loans
“I’m the Advantage Credit cheerleader! My experience with Advantage Credit staff and service has been outstanding in many capacities! The rescores have assisted in closing more loans that wouldn’t have otherwise with better terms. Customer service with Advantage is the best & I can trust that they will do what needs to be done to take care of my requests quickly every time. Our account rep is Kristie Frank Lloyd & she’s willing to assist in anyway needed as well.”
-Roy Bhiro, PrimeLending
“Our numbers with the Monitoring Advantage program have helped us close an additional 10 loans in the past six months totaling $1.5M in volume. The numbers are great and we are starting to see more of the leads converting into closed loans. Thanks!”
– Kelly Isensee, Greater Nevada Mortgage
“The best thing hands down about Advantage is their customer service! A supplement can be completed as quickly as 24 hours!!! When the representative cannot immediately get it completed; they think outside the box and communicate so they can complete it ASAP!” Getting credit used to be like going to the dentist and necessary now I have no complaints at all when needing any credit item from Advantage. It is awesome we can get our floods and transcripts too! One stop shop!!!”
-Brittanie Graswich, Great Plains National Bank Mortgage Division
“Bank of San Francisco has been a customer of Advantage Credit for 5 years. We use their credit, flood, and tax services and we find their system and their service fast and efficient. We are highly satisfied with them as a vendor and would recommend them as a responsive and effective partner.”
– Reina Contreras, Bank of San Francisco
“This rescore helped our borrower in 2 ways!! One, it was able to get him a better interest rate and two, it was able to reduce the amount of Mortgage Insurance! It was Super fast and easier than I expected. Thank you so much!”
– Britt Boyles, Eagle Home Loans
“Good afternoon! The rescore on this file did save our deal. We were able to place the file with an investor and get the clients the rate and program that the wanted. Your re-score department is AWESOME! I am not sure who spoke with to initiate the order…but everyone has always gone above and beyond to get what we need done. I appreciate all of the help that I get on every request.”
– Kelly Butler, RPM Mortgage, Inc.
“Using the Monitoring Advantage DAILY NOTIFICATION REPORT and corresponding gift card letter system, I have gained several transactions back, most recently two in one month! Yes, I stay in touch with my clients, however since many clients have their loans serviced by a bank or servicing company after closing, they are constantly bombarded with other offers. Some of those offers sound amazing and clients call on them. They think it will be ‘easy’ to use their current lender since they’re already making payments to them or they just talked to their ‘co-worker’ who got a good deal. Ultimately, a simple file check from me and a call or e-mail to remind them that I’m here and would love to help them is all it takes and I’m back in the mix for them. Oftentimes, I can show them a better way to set things up or get them a better deal and they’ve been thrilled! I love having this program!”
– TD, Cherry Creek Mortgage
“Thank you so much for your Credit Seminar presentation! It was VERY beneficial for myself and especially for my realtors. I had three realtors attend and they were very appreciative of learning new information about credit while also earning CE credits. Your services alone have helped me earn new business. I work a lot with first time homebuyers, many of whom are not credit qualified when we first speak. However; I am able to lay out a plan and a timeline. I have had several borrowers work with me for over a year AND THEN are able to purchase.”
– Debbie Solko, Eagle Home Mortgage
“Advantage credit has been a key component in the growth of my business. I have been in the mortgage industry for 14 years and I have never worked with a credit reporting company that is as dedicated to their relationships and that work as hard as the employees of Advantage Credit. When I run into issues with a credit report I can contact them and be sure that they are giving me the correct information. I also use their credit analyzer program and complete rescores through them each and every month. This service has helped me offer better loan options and pricing to some clients and help other clients qualify where they would not have qualified without the extra assistance. I plan to continue to use Advantage credit in the future and I am glad that they are a part of my business. Thank you!”
– Alex Babiniec, First Cal
“You are awesome!!!!! Cheryl is amazing to get this trade line added to the report in record time!
Thanks for your very, very prompt response! Believe me, you have made my member’s day! They get their new home this afternoon. I also received an email this morning from the buyer’s agent and he was so complimentary on how this loan was closed so fast. This could not have been done without great customer service from Cheryl. She is really the one who made this happen. Thanks again for your prompt response! It was amazing!”
-Melissa Newton, TruHome Solutions, LLC
“Thank you,Because of this rescore, my customer is going from 602 to 683 which improved the price by over $6K! They are very excited, thanks for everything!”
“Tara, please let your staff know they are appreciated very much for all they do for New West Capital, LLC. Always on top of their game and greatly love how quickly they respond to our request.Especially, wanted you to know how much we appreciate your knowledge and personal assistance, not to mention your wonderful personality that you have Tara. You are so AWESOME at what you do and I’m sure you are a huge asset to Advantage Credit.”
-Brenda Clark, New West Capital, LLC
“There simply is no better customer support for credit reporting than the support that I receive from Advantage Credit. The entire staff is knowledgeable and courteous and I always have confidence that the Advantage team will help our mutual clients resolve credit bureau reporting issues in an efficient manner and at the times agreed upon. Many of my clients have been able to improve the interest rate offered to them by utilizing the “what if simulator and rapid rescore” functions available thru Advantage. I find the reports clear and easy to read and the Advantage site easy to navigate. I often send clients to the consumer section of their website for informative and helpful “credit information”. My sales team has ALWAYS gone “above and beyond” to assist me in my sales and marketing efforts. In the 30+ years that I have worked in lending, I have never encountered better…”
-Jaxzann Riggs, The Mortgage Network
“I am new in the loan business so am often in need of quick access to help. Today I had my first experience with removing disputes from a credit score. Troy told me to call Kristie and am I VERY thankful I did. She directed me thru the process of creating an account and discussed with me how the process worked. She gave me further insight on the conversation I should have with my borrower to best and fully explain to them how I needed to proceed to secure their loan. That is very important to me personally to say the correct thing to borrowers always. Many, many thanks to Kristie for the assistance. I will be contacting her again soon for next steps.
-Stephen Sebesta, Security National Mortgage Company
“Advantage Credit’s Monitoring Advantage platform not only provides First Cal with a safeguard for potential EPO’s, it supports our loan officers with the ability to retain previous clients that might have gone somewhere else for their next loan. We believe this program is an important component for the growth of our company, its profitability, and provides needed support for our Loan Officers.”
-Brandon Case, First Cal
“The huge increase in the credit score from the Rescore was able to save the borrower over $7,200!! It put her into a lower risk rate scenario which cost her less. It lowered her rate and the costs associated with it. It was incredible, and a relatively easy process. I have used this as a testimonial several times since then.”
– Michael Smith, Universal Lending Corp.
“I’ve had great success with the customer service at Advantage Credit including excellent turn times with tradeline supplements & rescores!”
-Scott Somerville, PrimeLending
The what if simulator/credit analyzer tools are easy to use & our account rep/rescore department are willing to walk us through the process with detailed advice.
“The credit seminar is a must do with realtors. I had a seminar with a broker who I’ve have been trying to get business from and I have seen three referrals and one of those referrals turned into a deal! It’s worth it. I plan to hold another one later in the year.”
-Jonathan Kelly, Cherry Creek Megastar Lending
“A huge shout out to Christie Brown from Advantage Credit! She traveled to our office location and presented at our Realtor Lunch & Learn. The content was very informative and allowed for great guest interaction. And, best part was, we received two meeting requests from Realtors, to learn more about our company. I would highly recommend contacting Advantage Credit to see how they can help you strengthen your client/Realtor relationships.”
-Lisa Williamson, Summit Funding, Inc Chico CA
“Kristie Frank Lloyd conducted a continuing education course this spring to strengthen our realtor relationships & I received a referral & two additional requests to partner on future CE classes the very first day!”
-Sebastian Phenix, Amcap Gold Financial
“I would like to take this opportunity to “thank you” Sherrie for the exceptional service you provide to me, along with TruHome Solutions. You have met or exceeded my personal expectations time and time again. No matter how simple or complicated the inquiry to you, you always greet it with a smile and chuckle. The timeliness of your returned calls and / or emails is very much appreciated, along with your knowledge of the industry we are in.It is always a pleasure to work with you.”
-Sharon Mowry, TruHome Solutions
“Hi Kristina and Mindy, I just wanted to let you both know that I appreciate so very much being able to work with you both and your teams! Your organization does an exceptional job for us on a continual basis. I can speak for the group here at PrimeLending in Flagstaff that YOUR work makes a difference for OUR work! Your responsiveness and thorough work is invaluable to us. Thank you so very much for everything!”
-Tina Pfeiffer, PrimeLending
“I am so pleased with the Rescore team. I really appreciate the fast turn times and the ability to call and talk about different scenarios and options. Thank you for always answering your phones! That is so valuable. You guys are awesome and thank you for your help!”
– Timothy McGrath, CommunityAmerica Credit Union
“I have been in the mortgage business for over 20 years and I have interacted with a number of credit reporting agencies in that time. Advantage Credit is by far the best. This is because the employees you have working for you give friendly helpful service every time I call in. They go out of her way to help me out with my issues. They go out of their way to research and come up with the solution in a matter of minutes. The friendliness and compassion on getting to the bottom of the problem and resolution is quite amazing. They ALL do a fantastic JOB!!!! I am very Happy with them.
-Brenda Bacigalupi, Home Point Financial
“I am so grateful to have partnered with Advantage Credit at a time when our company was beginning the first of many large changes (both regulatory and internal). Sherrie and her team always provided impeccable same day service. From credit report questions about how to help a borrower improve their credit, to getting a flood determination issue cleared up with your secondary provider you were always personally available. I appreciate business relationship we have!
– Kayla Hons, First Financial Bank, N.A.
“Your customer service team was great! They made the best of a potentially ugly
situation for my customer by getting the correct information on a file. I am happy, happy, happy! This loan closed last week!! Thank you all for all the work you do to make my job a little easier!”
– Valerie Wise, Amcap Mortgage
“My team and I find that Advantage Credit is integral to our business and to our clients. I personally have worked alongside Advantage Credit for fifteen years, and have had only the best of service and consistent performance from them.The business services that Advantage Credit offers to us, and to our clients, are unparalleled. With their business services, it allows us to give our customers credit assistance, the ability to update any erroneous credit errors, and provide a seemingly endless amount of options that allows my team and me to consistently get our transactions closed. Without their attentiveness to detail and consistent customer service, we would not be as productive.Most importantly, above any service that Advantage Credit provides, is the people. Relationships have been formed from my days at MegaStar Financial and now at Eagle Home Mortgage. These relationships have spanned over the past fifteen years that I have been in the mortgage industry. These individuals are Tracy Vance, Marycarol Patz, Jackie Reynolds, Mindy Leisure, Cindy Magnusson and Don Unger – each one of them and their staff has been essential to us and getting all of our transactions closed while more importantly making the credit process seamless for us and our clients.I feel, and the people who work with me, that if we don’t have access to Advantage Credit’s business services our loan volume will be negatively affected.”
Eric A. Burkgren, Financial Security Mortgage- Associates of Eagle Home Mortgage
“Hi Charlie, I just want to say working with you, Deb Buchanan and Mindy Leisure with my latest client challenges was handled efficiently and with excellence. I have been working with Advantage through our bank for the last 6 years. You and the staff have always provided excellent service and timely communication. It must be a great company to work for. Thanks for always being there…”
-Doug Frisch, Canyon Community Bank
“I could not be more pleased with the service Advantage Credit Inc. has provided me and my customers. Advantage Credit Inc. has played a huge role in my success in the industry by providing timely responses to every request I send them. They always pick up the phone when I call, and are happy to help answer any questions I come up with. Recently, one of my applicants had an inaccuracy on his credit report, and in less than a week Advantage Credit Inc. was able to have the error corrected and his scores updated. The applicant was able to achieve more of his goals because of the higher scores, and we were able to close his loan without delay. I would recommend Advantage Credit Inc. to anyone wanting to improve their business.”
Brooke Assel, TruHome Solutions
“We were introduced to Advantage Credit in the Spring of 2014 and have been faithfully using them ever since!! Advantage has the proper tools to help PrimeLending easily do their job and get the job done quickly. Responses on credit supplements are never more than 48 hours and if you request a rush, it’s done the same day!! If a conference call is required, they contact the client immediately. If the client has to call them back, they get an actual person’s name and DIRECT PHONE NUMBER! Who does that? Advantage does! Their credit simulator is simple and easy to use. If you don’t want to mess with it – call their customer service department and they’ll do it for you! Yes, it’s hard to change, but trust me – you will never look back after you’ve experienced the “advantage” that Advantage Credit provides to you!”
– Debbie French, PrimeLending
“V.I.P. Mortgage, Inc. continues to support our loan officers to increase their business and stay connected with their Clients. Monitoring Advantage has been a successful program for our company. We have closed over $3 million dollars in sales just in the last 2 months because of the monitoring advantage program. Thank you Advantage Credit! We look forward to many more months of success!”
– Caren Bailey, V.I.P Mortgage, Inc.
“I am so happy with the choice we made in choosing Advantage as a business partner!”
– Christine Adams, University Federal Credit Union
“I just wanted to take a few moments to share some feedback with you. I have dealt with many vendors in my career, some good some not so good, but I can honestly say that the service level I receive from Advantage is by far the best I have ever experienced. Every interaction with your team has been professional and resolution is always the end result. Sherrie Girten goes above and beyond to ensure that our needs are met on a daily basis. I can count on her to be quick to respond and always willing to help regardless of what the issue is. Similarly Tracy Vance does a remarkable job in assisting us with any issues that involve her team. I thoroughly enjoy working with the Advantage Credit team, and in my humble opinion, choosing to use Advantage for our credit needs was a GREAT decision. Thank you for your partnership with Elevations Credit Union”
– Daniel LeDoux, Elevations Credit Union
“I downloaded your iPhone app and just read the article about revolving debt. The content was perfect for forwarding to clients, and I had one recently who’s score was low due to their balances! Keep these articles coming! They are a great way to educate clients and further build your brand!”
– Wesley P. Shaw, RPM Mortgage, Inc.
“Monitoring Advantage has been a very successful program for me. I am in the middle of closing three loans totaling $650,000. In each case, the borrower would have probably refinanced with someone other than me and my company. I look forward to utilizing this service and appreciate all that you guys do for me.”
– Matthew Ackerman, Universal Lending Corp., DBA, The Ackerman Group
“Muah! You are awesome you know that and I get so spoiled by you that I don’t want to share lol!”
– Norma P., Pinnacle Mortgage
“Thank you so much!!!! WOW!”
– Sandy W., Universal Lending Corporation
“You are Fabulous – Thank you!”
-Marshana F., Security First Loan, a Division of Guarantee Mortgage
“I like to point out positive feedback when I can! I’ve always been a fan of Advantage’s customer service, Michelle Moberg is a great example. I called in last night after I botched a credit pull, she was able to help out, fix the situation and was extremely friendly and helpful.”
– Michael Metz, V.I.P. Mortgage, Inc.
“I wanted to let you know how amazing Advantage Credit’s Tax Team is. Michelle Fricano is always available to help and goes above and beyond! I can’t tell you how much I appreciate you all and the excellent customer service you give. Thanks for all you do for me, couldn’t do my job without you! Your new web site is fantastic too.”
– Terilynn Robinson, Universal Lending Corp.
“I just wanted to let you know what a fabulous job your tax team and Michele does! They really bailed my butt out today! I needed transcripts for a loan closing on Monday and I submitted the request this morning (don’t ask why I didn’t do it earlier) and I asked for a rush. To my pleasant surprise I received them this afternoon! Now that’s what I call excellent service, I really wasn’t expecting them so quickly and I know it has to be because of Michele. Thanks for the excellence service.”
– Sherea Risk, Megastar Financial
“You are awesome! Thank you!”
-Sara D., RPM Mortgage
“Just wanted to let you know that I love working with you guys and girls!!”
– Bob Cawley Sr., Abacus Financial Inc.
“I was working with a lady named Bobbie Katz who did an awesome job for us almost single handedly saved a loan for us!”
-Kellen M., Cherry Creek Mortgage
“You have no idea how much you have saved my life and a lot of other peoples. I know that we don’t hear it very often, but you have made an enormous impact on the borrower getting into their home. Thank you so much! I hope you know how important you are :)”
– Michelle Pierson, RPM Mortgage, Inc.
“Just wanted to let y’all know that Bobbie Katz went above and beyond the call of duty to help me out with a supplement request last week. It wasn’t an easy request to verify the collateral securing a loan, and she worked hard to gather documentation and determine what exactly was securing the loan.”
– Michael Stone, Megastar Financial Group
“I’m working with Mindy at Advantage. She’s patient, super cool, and extremely helpful—she’s gone above and beyond. I’m not sure who to report it to but if we could somehow get her recognized for her work I would approve it 100%.”
– Tim Rhey, People’s Mortgage
“I’m 27 years in mortgage lending and I understand the importance of speed and accuracy. Last Friday afternoon, I ordered a credit supplement (on a rush) for a file with a very short fuse. I had the report in less than 18 hours and it was delivered on a Saturday morning. Mindy Leisure (rescore express dept) was the technician and she did a truly awesome job that was greatly appreciated. Mindy Leisure should change her name to something like Mindy Working-my-tail-off-for-my-customers. Thanks very much.”
– Mark Treiber, RPM Mortgage, Inc.
“Wow, I know I asked for a rush but that was a super rush. Thank you!!”
– Lexi J., ProLine Mortgage, Powered by OPES Advisors
“I received EXCEPTIONAL service yesterday with Irene Sanders. I had a client in my office that we needed to update balances and close accounts. We called Irene and she dropped everything and did conference calls with us for over an hour. I cannot tell you how much I appreciate that. It allowed us to close our deal sooner! Thanks so much for you and your company and the service you provide to us!!!”
– Kelli Strott, Universal Lending
“You are fantastic, I can’t thank you enough!”
– Kellie Gonzalez, RPM Mortgage, Inc.
“I have been a mortgage broker for 20 years and I have interacted with a number of credit reporting services. Yours is by far the best. This is because of the employees you have working for you. They respond with friendliness, compassion, getting to the heart of the problem and resolution. Quite an outstanding combination. Doing loans is hard enough with a perfect no problem credit report. When there is a situation, to know we can call and get help and get some kind of advise or resolution it is all I can ask for.”
– Rich Polonsky, Guarantee Mortgage
“I am writing to tell you how pleased I am with Advantage credit. I know I can speak for most of my colleagues here at Ideal Home Loans when I say that Advantage credit has been great to work with. The customer service at Advantage is great! It is very easy to get in touch with one of your many representatives and they are VERY helpful. The turn time to get things back is unbelievable and the lengths that your customer service representatives go through to help us is really outstanding. I used to be annoyed when I had to contact our last credit company and now I look forward to contacting you guys. Everyone is so nice and very responsive. Keep up the great work! We will recommend you to anyone and look forward to continue working with you in the future.”
– Samantha de Roco, Ideal Home Loans
“So many times I feel compelled to let a company know when their customer service is terrible. These days most calls go to off-shore call centers and while most of the time the representatives mean well they just fall short in one area or more. But I wanted to take the time and tell you whenever I need to call Advantage Credit I look forward to the experience. First I go right to a live person. And more importantly this person is a pleasure to work with. They are knowledgeable and extremely pleasant. This experience is without exception, every time is a pleasure. Each of the Customer services reps are equally competent. I do have to single out Jewell. Throughout the years of dealing with her I have to say she has risen above. To finish, I have to say in all of corporate America I have not found a company with better customer service than Advantage credit. Congratulations and thank you!”
– Roger Smith, RPM Mortgage DBA La Salle Financial
“I just wanted to let you know that your girls in your Customer Service Department are the best!!! I order something and they do it right away. I call and they help me every single time. Its so nice to work with you guys. Oh, and did I mention they are polite, knowledgeable, and just great?”
– Audrey Stewart, MAC5 Mortgage
“Before Advantage Credit, I would have to call for a reservation number to retrieve Bankruptcy documentation and then call the next day to get an appointment with that reservation number and then go to that appointment probably 5 days later at a very specific time and pay for the copies. They give you a case binder and let you sit in a corner to pry open the file and copy only what is needed. The total cost was minimal, but I spent an incredible amount of time doing this. You guys did this in about 5 business hours and it allowed me to focus on other items that allowed me to get more business. Very efficient, I love the follow up and the professionalism. Nice job everyone.”
– KC Harney, Universal Lending Corporation
“I had to request my first credit rescore last week and Jackie Reynolds was my Advantage Credit contact. I can’t begin to tell you how helpful and patient she was. I don’t think we would have continued with the process if it weren’t for her support. About noon today we were able to repull credit, the scores were where we needed them to be and there is a very happy borrower and an impressed originator because of Jackie’s professionalism. She is definitely a keeper. I will tell everyone what a great job Advantage Credit does. Love your service”
– Maureen Spiegleman, Cherry Creek Mortgage Corp
“I am writing this letter to give “kudos” to Advantage Credit, and specifically, Mindy Leisure. I recently had a file that needed 8 (yes, 8) credit supplements for student loans that were coming out of deferment. I needed these BADLY in order to get underwriting completed on an FHA purchase with a very short close of escrow. I sent the order in, and literally 1 hour later (!), I received ALL 8 supplements…All I can say is, “wow”! For a company that always sets the bar, this was nothing short of astonishing; yet at the same time, not surprising.
Thank you as always to the entire team at Advantage Credit for consistently going above and beyond the call of duty to help us provide the best customer service possible for our clients.”
– William Dodds, Canyon Community Bank
“I have used Advantage Credit Inc for over 5 years and have been very happy with the service. I have used everything from the Rescore Express to credit supplements. Their staff is always helpful, professional, and responsive. Jim Kaiser and Mindy Leisure have helped my marketing efforts by teaching credit seminars for me to both Consumers and Realtors. I like the easily readable format of their credit reports. These reports make it easier to explain a buyer’s credit situation to them. The Credit Analyzer and the What If simulator help consumers understand what they need to do to improve their credit situations. I higher recommend Advantage Credit Inc.”
– Mark Afman, Universal Lending Corp.
Question sent to an existing client by a prospective client when he was thinking of becoming a customer: “What are the advantages of using advCredit over other providers?”
Existing client response to the question:
“They are the best in the nation… I know this via trial and error with other service providers. The tools provided are far superior and better priced… not to mention the world class service they provide my team.”
– Brad Wyatt, MAC5 Mortgage