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Information Services // Overview

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Information services

Designed to support more profitable, reliable decisions

Streamline your origination process

Origence’s partnership with top credit bureaus enables efficient loan originations by providing efficient access to credit reports and verifications. We help you save time on a number of reliable reports and services as we broker your relationship with the credit bureau for you. Also, information services onboarding is fast and efficient, with no interruption to the way you receive credit reports today.
As an indirect lender, we run a lot of credit reports. The most significant problems we had with the bureaus were related to customer service — finding a single point of contact was next to impossible. Trying to resolve a discrepancy or just getting answers to questions was a huge burden on our staff. Origence Information Services solved this for us.
Billly McDaniel

SVP Lending

Give your credit union the advantage

Experience a service designed to provide fast onboarding and competitive pricing on top credit bureau reports, fraud related products, The Work Number® verification solutions, and more.

Consumer Credit Reports:
Mitigate risk and maximize growth with predictive consumer data that supports more profitable decisions

FICO® Risk Scores:
Predict the likelihood of an existing or potential account becoming delinquent within 24 months

Fraud Products:
Predict losses, detect suspicious activity, and identify potential breaches before they occur

VantageScore®:
Leverage consumer credit data and analytics to predict the likelihood of a consumer becoming over 90 days delinquent within 24 months of scoring

Military Lending Act (MLA):
Check military personnel status to support MLA Final Rule and safe harbor compliance

Office Foreign Assets Control (OFAC):
Effectively screen new and existing accounts

Bankruptcy Navigator Index (BNI):
Maximize portfolio profitability by combining Equifax data and analytics to predict likelihood of bankruptcy over 24 months

Verification solutions via The Work Number®:
Verify applicant employment and income with data provided directly by employers

The Work Number and Bankruptcy Navigator Index are trademarks of Equifax Inc. Other product and company names mentioned are the property of their respective owners.

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Origence®… a new brand for the future of lending

For 25 years CU Direct has helped deliver a better digital lending experience, increase efficiencies, and fuel growth. With a vision to create the ultimate origination experience, we introduced a new brand for financial institution technology and solutions—Origence. Our new Origence website is where the journey begins…

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