May 8th, 2008
PRBC
PRBC Report, the nations leading bill payment credit bureau, announced today that its credit verification, reporting and scoring procedures meet or exceed new guidance provided by the Federal Housing Administration (FHA) for verifying bill paayment histories and establishing credit scores for borrowers with little or no traditional credit files or FICO scores.

February 1st, 2008
CISCO Screening
CISCO launches full employment and tenant screening services: www.ciscoscreening.com

Janruary 9th, 2008
Countrywide
CISCO reports can now be used with Countrywide. Just use your exisiting Fannie Mae login.

October 22nd, 2007
FICO Score Model Changes
Authorized users accounts will no longer be factored into FICO credit scoring formulas. Check Cisco Univ for additional information.

July 26th, 2007
Wachovia
Comming soon August 1st, connectivity with Wachovia is available through CISCO.

July 26th, 2007
CIT Group
CISCO Now has connectivity with Cit Group. You must have an Informative research account contact a CISCO tech for details.

July 16th, 2007
1,000,000 Files
CISCO pulls it’s millionth file!

April 24th, 2007
Fannie Mae Update!
CISCO Credit completes enhanced Fannie Mae connection.

April 11th, 2007
Equifax Update!
Equifax reduces reuse pricing!

February 26th, 2007
TransUnion Update!
TransUnion announces as of April 1st, 2007 an additional inquiry and change for reissue / secondary use.

February 12th, 2007
Non-Tradition Credit Reports with a Score Now Available!
PRBC / Non-Traditional Credit Reports are used when traditional credit scores are unavailable for the borrower for any of the three major credit repositories and consumers with “thin” credit history. It acts as a supplement to the traditional credit report.

Unlike traditional credit reports, Payment Reporting Build Credit (PRBC) report exhibits non-traditional historical payments (i.e. rent, utilities, telecommunications, cable television, insurance and other payments that are not reported to the 3 major repositories.)

December 28th, 2006
Equifax Update!
Equifax announces as of April 1st, 2007 an additional inquiry and change for reissue / secondary use.

December 20th, 2006
Experian Update!
Experian announces as of February 1st, 2007 an additional inquiry and change for reissue / secondary use.

December 15th, 2006
Reissue Compliance
Starting January 1st 2007: A reissue / secondary use charge begins. A reissue / secondary use occurs when information is provided to an entity other than the original end user. An “End User” is anyone in the lending processes that gets a copy of the credit report or score, either electronically or on paper. All subsequent usage of the consumer credit report is then reported as an inquiry. This additional inquiry information is processed as a charge by Experian and Equifax.

November 9th, 2006
Bear Stearns Release
CISCO is pleased to announce the release of Bear Stearns. Connectivity with Bear Stearns is now available through CISCO.

November 6, 2006
If Your Credit Report Has a Mistake on It, You're a Good Candidate for 'Rapid Rescoring'
Fixing Your Credit Score Can Be a Cinch

October 5, 2006
CISCO Credit Quarterly News Letter!
CISCO News Letter.

September 18, 2006
Equifax Update!
Equifax announces as of November 1st, 2006 an additional inquiry for auto underwriting process.

September 18, 2006
Experian Update!
Experian announces as of January 1st, 2007 an additional inquiry for auto underwriting process.

August 1st, 2006
Credit Assure available to all clients free of charge!
CISCO is pleased to announce the release of Credit Assure, the newest CreditXpert’s credit scoring technology. Credit Assure automatically scans credit files to provide your customers with opportunities to raise credit scores. Credit Assure inspects every credit file ordered through CISCO's platform for potential score increases so that your customers don't have to do it manually. There is a free trial period for all our clients until the beginning of 2007. Contact out tech support for more details.

July 17, 2006
Homecoming's Financial!
CISCO announces full connectivity with Homecoming's Financial, Assetwise and Fannie Mae Automated Underwriting.

June 14, 2006
CISCO Credit Quarterly News Letter!
CISCO News Letter.

May 22, 2006
Washington Mutual Automated Underwriting Connectivity!
CISCO is happy to announce that we are now affiliated with Washington Mutual's Automated Underwriting Services.

May 4, 2006
Homecomings Financial Connectivity!
CISCO is happy to announce that we are now affiliated with Homecomings Financial Automated Underwriting Services.

April 17, 2006
NovaStar Now Supported
CISCO is pleased to announce that NovaStar now offers report reissuing through their NovaStarIS Underwriting System.

March 16, 2006
VantageScore- New Credit Scoring System
Experian, Equifax and Transunion announced the planned creation of a new credit scoring system aimed at simplifying the loan process for both lenders and borrowers. Timelines for it's rollout are unknown at this time- CISCO will keep you up to date!!!.

Highlights of New Product:
• The scores will range from 501 to 990. The top end is slightly higher than scores currently in use.
• "Under the new scoring system, credit score variance between credit reporting companies will be attributed to data differences within each of the three consumer credit files and not to the structure of the scoring model or data interpretation,"
• Provides consumers and businesses with a highly predictive, consistent score that is easy to understand and apply.

May 17th, 2005
Enhanced w-2 Retrieval
Enhanced W-2 retrieval - now get your borrower's w-2's in 2-7 days with Cisco.
Click here for the form.

Apr. 25th 2005
New Credit Analyzer / What-If Simulator Upgrades
Cisco improves the What-if Simulator products to make mortgage lending easier.

Enhanced the What-If products:
• What-If Simulator now supports adding of new accounts.
• What-If Simulator can now be ordered separately from the Credit Analyzer report.

March 3rd, 2005
Freddie Mac (LP)- Cisco announces upgrade for Freddie Mac (Loan Prospector) users
Cisco and Freddie Mac have migrated an exciting update allowing clients using Freddie Mac the opportunity to choose their vendors when ordering LP reports. This update allows clients to freely choose their vendor of choice, giving our clients a broader range of choices and a greater freedom when working with their reports.

Feb. 01, 2004
Cisco Reduces Pricing on Credit Analyzer/What-If Products
Cisco has lowered the fees on our highly accurate Credit Analyzer and What if simulator products. Better rates for our customers is just one way Cisco works to make business with us the best there is.

Credit Analyzer - $7.00
What-If Simulator - $7.00

Dec. 16, 2004
Cisco adds Integrated Flood Reports to our Credit Site!
To help increase your workflow efficiency by consolidating your flood and credit needs into one location Cisco Credit has integrated flood products seamlessly into our credit site which allows ease of use and efficiency. Flood Reports include Life of Loan and HMDA (Home Mortgage Disclosure Act). Reports are completed in seconds upon order.

Flood Report Cost- $7.50
Life of Loan included- $9.50

Nov. 24, 2004
Automated Password Support
Get your password emailed to you when you need it. This new feature allows you to gain access to your password online quickly and easily. By setting up 2 questions which will be used to verify your identity, you can recover you password with out making a phone call. If you would like to set this up please contact technical support.

Nov. 23, 2004
Online Chat Support
Now cisco allows you chat with a live representative when technical issues arise. By clicking on the live chat link on our login page, you can get answers to password issues, and other technical questions. OUr live chat feature is just another way Cisco is striving to make our customer experience smoother and more convenient.

Nov. 09, 2004
FACT Act Certification
All Cisco Employees are NCRA(National Credit Reporting Association) FCRA/FACT Act Certified. This certification is part of the high standard Cisco sets for it's employees and is an additional assurance to our clients that they are receiving the most current and accurate credit information and customer service available.

Oct. 14, 2004
Cisco Integrates Indymac/eMits
Cisco has partnered with Indymac to make a seemless integration with eMits. Now when ordering reports in a Fannie Mae reissuable format you can reissue that report into a Indymac's eMits system.

Call for more information.

Sept. 7, 2004
Cisco Integrates Fannie and Credit Analyzer
Now when ordering reports in a Fannie reissuable format you can order a Credit Analyzer on that report. Credit Analyzer

June 08, 2004
Cisco Integrates FHA Total Score Card
The FHA TOTAL Mortgage Scorecard is a credit assessment engine developed by the U.S. Department of Housing and Urban Development (HUD) to assess the credit worthiness of FHA borrowers, and to predict the default probability for FHA loan applicants.

Click here information.

May 24th, 2004
What-if Simulator
The What-If Simulator is for users that have a fair understanding of credit information and know exactly what they want to update on the credit report to see how many points they can increase the score by. To use this product, you simply change the credit data in the editable fields and click on the Calculate button. Once you click the Calculate button, the system will display the number of points that would potentially be added or subtracted from the credit score. Below are possible changes:

• Account Balance
• Account High Credit
• Account Status
• Delete Account
• Close Account: closed accounts are displayed in gray text.

March 23, 2004
SSW - Settlement Services Worksheet
Easily organize all your cisco reports...If you have multiple reports like, AVM, Identity Verification, and credit reports this product can serve as a center point. After creating a worksheet you can order credit, identity verificaion and AVM from the work sheet, keeping it all together in easy-to-access location.

Call us for more information.

March 15, 2004
Cisco's E-mail Notification Program
Cisco has the ability to email supplement and credit rescore confirmations to all clients interested. This free of charge service will help make a processor's job easier by alerting them of when Cisco supplements/rescores have been completed and available for their online retrieval. Take advantage of this service by contacting Cisco's Tech Department.

Learn More/Register

Feb 18, 2004
Added Credit Card Payment Options
Cisco Credit adds credit card option to Credit Analyzer, Social Search and AVM. Allowing payments to be made by credit card at time of order.

Learn More/Register

August 01, 2003
Cisco adds Social Search Tool
Social Search delivers up to date name, address, and date issued information. This will confirm applicant information and detect potential fraudulent activity associated with a Social Security number. Also receive verification on maiden names, alias, misspellings, and consumers who have changed their identity

Learn More

April 29, 2003
Credit Rescore Streamlined by Cisco Credit
Rapid 48 hour credit recalculation is an agreement between CISCO and the 3 national repositories. CISCO is able to submit the proper paperwork directly to the national bureaus and in 48 hours we are able to update the borrower's credit report and change their credit score(s).

Learn More

April 29, 2003
Credit Analyzer report added to Cisco Credit
Credit Analyzer tool used to improve a borrowers score. After analyzing your borrowers credit report, Credit Analyzer gives steps to take to improve the borrowers score as well as giving an explanation of the positive and negative factors affecting the score.

Learn More

April 01, 2003
Standard 1003 loan form added to Cisco Credit
Customers that are not using an LOS but require a Uniform Residential Loan Application (URLA) can instantly create a 1003 form from their Mortgage Credit Link credit file and print it. This 1003 form will include borrower information and all liabilities associated with their credit report and can be edited to include other information required for document submission.

March 10, 2003
Cisco Credit adds Spanish and Chinese versions of the Consumer Copy Report
Help your customers save time and enhance their ability to reach out to different communities. Cisco Credit now offers the Consumer Copy of the credit report in two languages, Spanish and Chinese! These new products add tremendous value to your services and ensures that borrowers who are not fluent in English understand their credit rights as consumers, saving your customers time and money.

January 31, 2003
Cisco's Agent Link now interfaces with PowerPak!