Universal Credit Services is one of the top national consumer credit reporting agencies in the country. Our well-documented credit report API’s (XML, JSON, restful) provide instant access to Individual and Merged Credit Reports from all 3 of the national credit repositories. Standard credit integrations are often completed by our clients in as little as a day. Our, more sophisticated, “SmartAPI” provides access to our full suite of credit reporting products, as well as Verification of Employment/Income, Verification of Deposit/Asset, IRS Tax Transcripts/W2s, Marketing lists, Flood zone determinations, Fraud Management reports, Identity verification products, Automated Valuation Models, Criminal Background reports, Eviction filings, Tenant screening, Portfolio Monitoring and Appraisal Management Services. UCS provides expert data products and customer service across a broad range of industries and specialties, including but not limited to: mortgage lending and servicing, crowd-funding, peer-to-peer lending, personal lending, utilities, solar, brokers, realtors, landlords/property management, auto dealers, and finance companies.