CIS provides credit reports from the 3 national credit bureaus, Equifax, Experian, and TransUnion, to companies. CIS provides these credit reports to companies that have permissible purpose and authorization to pull credit, all of which is regulated under the Fair Credit Reporting Act
If a CIS client, who may be a mortgage originator, mortgage banker, bank, credit union, landlord, property management company, housing counselor, has pulled your credit report, you may see CIS Solutions LLC or CIS Info Services on your list of inquiries.
Below you will find helpful information on obtaining your credit report and addressing any inaccuracies that may be on your credit report.
Numerous credit score versions exist, including multiple versions of the FICO score. The FICO score used by the mortgage and lending industry uses a different scoring algorithm than the FICO score included on consumer credit card statements and available through consumer monitoring services and credit education websites. Different industries (auto, retail, tenant, insurance) use score algorithms that are unique from the mortgage FICO score.