Background Reports

Beyond the credit file, your credit gateway can offer verification and compliance reports on the applicants. They're ordered the same way as credit and filed back onto the loan.

What's available

Gateway	Reports
Xactus	Fraud report: a fraud and identity screen on the applicants, in a narrower or wider package. The wider package also asks about the property and the other parties to the deal.
MeridianLink	Whatever additional report types your chosen agency offers on your account. Ask your agency representative what's available.

Ordering

Enable the product in Platform Settings → Integration Hub on your gateway's card (manager access).
Grant the third-party services permission to the people who should order.
On the loan file, open 3rd Party Services, choose the vendor and report, check the pre-filled details and send.
The order appears under History; the completed report is filed with the loan's documents.

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Extra credentials for Xactus fraud products
Some Xactus products need an additional set of vendor-issued credentials on top of the normal login. If fraud reports are refused while credit reports work, check those first.

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Every order is billable
Reports are charged on your account with the vendor. Enable only the products you use.

See Credit Reports (MeridianLink & Xactus) for setup.

Full detail: in LendingWise, open Loan Origination → User Guide → Xactus (or MeridianLink).