Every Decision Matters.
Every report, verification and decision helps move borrowers closer to homeownership. That’s why accuracy, speed and service guide everything we do.
Our Services
Supporting Every Step Forward
Credit Reports
Smart, flexible credit report solutions designed to support every loan scenario and keep loans moving efficiently.
Score Improvement
Access leading score improvement tools designed to help move borrowers confidently to the closing table.
Verifications
Verification solutions that streamline borrower validation, helping reduce risk while protecting loan quality from start to finish.
Fraud & Risk
Fast, proactive fraud and risk solutions designed to catch changes early and reduce last minute surprises.
What Drives Us.
A commitment to quality, accuracy and service supported by modern technology, thoughtful processes and a team dedicated to delivering reliable data and responsive support our partners can trust throughout the lending process.
Excellence
Delivering high-quality credit solutions with responsive service you can rely on at every step.
Accuracy
Built with precision and attention to detail, so every report supports confident decision-making.
Care
A service-first approach grounded in transparency, respect and doing what’s
right — every time.
Innovation
Continuously evolving through smarter technology and processes to support modern lending.
Testimonials
Partners Who Count On Us
Joy is not just a leader in the credit reporting industry, she's a visionary innovator with over 27 years of hands-on experience helping partners succeed, solving complex credit challenges, and opening doors for more families to achieve homeownership.
When a single tradeline threatened to derail a fully qualified first-time buyer, Joy stepped in, identified the real issue, and worked directly with the underwriter to get the loan approved. Her expertise and advocacy helped my client close on her first home when it mattered most.
I’ve worked with Joy Huska and the Credit Success team for over 20 years and their level of service has never wavered. They consistently go above and beyond to support both my business and my clients, combining professionalism, efficiency and genuine care. Even through growth and change, they’ve never lost their personalized approach—and that’s why I continue to rely on them year after year.
Credit Magic Is Real! If you’re looking for a credit vendor that doesn’t just pull credit but actually saves files, I highly recommend Credit Info. They’re credit magicians—and they literally just saved over $2 million in loans for me in a matter of days.
I’ve worked with Joy Huska and her team for many years and their level of service is unmatched in my 23+ years in the mortgage industry. Even when other systems or requirements get in the way, having Joy’s team on my side makes all the difference. Their support and customer service consistently remind me how fortunate I am to work with true experts.
As a veteran, I believe in trust but verify. This team has earned my trust by consistently delivering when it matters. From a loan officer’s perspective, fast supplements are critical and they deliver every time.
Frequently Asked Questions
Questions Come Up. We've Got Answers.
What billing options do you offer?
Payments can be made via ACH, credit card or check upon request. Partners can customize billing to fit their needs, including pay-as-you-go, daily or monthly options. Billing can be configured so the company covers all costs, specific users or selected products only. Charges can also be separated by user or department, or set up so borrowers pay upfront through a secure payment link for applicable products.
How do I charge a borrower for a credit report upfront?
You can send borrowers your personalized SmartPay link, allowing them to securely enter their information for the credit pull and submit payment. Once the payment is processed, you’ll receive an email with the borrower’s name and credit report file number. If you access the file number and no report appears, the payment may have been flagged or declined. In that case, the borrower can retry using a your link, which will generate a new file number or you can manually enter the payment information to complete the order.
Can supplements be ordered via phone or email?
No, all supplements must be ordered online using your login credentials through the MeridianLink platform.
Can rescores be ordered via phone or email?
No, all supplements must be ordered online using your login credentials through the MeridianLink platform.
What information is needed to verify Credit Card balances?
Most balances and payments on revolving lines can be verified through an automated system, to do this we need complete account numbers. Visa and Mastercard are 16 digits and American Express is 15 digits, while other credit cards may vary.
Can all tradelines be verified over the phone?
Unfortunately no, some creditors don't report to the bureaus, utilize automated systems or provide phone verifications. There are also companies who will not verify to a third party per their company policy and we do not have a way around those restrictions.
Can creditors refuse to provide information on a tradeline?
Yes. By law, they must always provide the borrower information however they are not required to verify to a third party.
Can a supplement increase credit scores?
Tradeline supplements don’t change a credit score. Any permanent updates need to be made directly with the credit bureaus. Changes we make only apply to that specific credit report and won’t carry over to future reports. If a new report is pulled, the changes would need to be requested again.
Do all tradelines include trended data?
Not all tradelines include/provide trended data such as authorized user accounts or accounts that have less than six months of payment history. Other accounts that may not show trended data are collections, medical collections, public records or bankruptcies.
Fast, Real Support
When timing matters, you get real answers from real people. No call queues, no runaround, just responsive support when you need it most.
Problem-Solving Expertise
When files get stuck or questions don’t have clear answers, our team steps in. We dig deeper, explain the why and help move things forward.
Borrower Focused Service
Behind every loan is a borrower counting on you. We support the process behind the scenes so your clients experience a smoother path to closing.
Confidence at Every Stage
From initial reports to final approvals, our solutions are built to reduce surprises, manage risk and help partners move forward with confidence.
Useful Links
Contact Us
Address: 10015 N Ambassador Dr Ste 102, Kansas City Missouri 64153
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