CIS Supplement Solutions

Cost-effectiveness, speed of turnaround and the expertise of the CIS team, has made the Supplement solution one of the most widely-used tools. Commonly referred to as Customer Service or Trade-line Updates, Supplement Requests are fulfilled within 24-48 hours with rush orders completed even more quickly! Supplements are commonly used to:
  • reflect recent payment information on an account
  • update balance information
  • add missing information to an account
  • correct erroneous information on a credit report
  • clarify or update payment status (current, past due, delinquent)

CIS Specialists are experienced at the different procedures creditors follow to update information, including the documentation and approval requirements. Most trade-line verifications now require a conference call between the third party (CIS), borrower and creditor. CIS Specialists ensure the proper documentation is secured in advance to ensure the call can be completed using the least amount of the applicant’s time possible. Borrower communication and participation is critical to expediting Supplement fulfillment! Other tips to expedite turn time include:

  • Inform the applicant CIS may be contacting them to validate information & arrange a conference call with the creditor.
  • Always submit the borrower’s authorization & supporting documentation related to the request. Ensure documentation is legible!
  • Include the complete account number & a current copy of the account statement (if not available, submit partial account number).
  • Check email! Status updates are emailed and entered into the Message column of the Requests History on the credit file screen within the CIS ordering platform.
  • For requests involving payment plans, submit documentation that defines the plan’s terms.
  • For requests involving collection accounts, additional authorization is often required.
  • Always be specific in your request on what information requires update or correction.

Unlike the CIS Rescore Report, Supplement requests are not completed at the bureau level. Supplement updates and corrections are completed directly with the creditor. Supplements deliver expedited service and third party verification, but will not reflect in the credit score as a Rescore does.

Contact CIS for more information on Supplement Solutions.

CIS completes ARIVE integration!
Protect your loans with Undisclosed Debt Notifications and close more loans!

Contact CIS
 for more information