Global Financial Services Group

Knowledge is Power

ACRAnet Puts Valuable Information at Your Fingertips

Having accurate data ensures you make the right decisions every time.

ACRAnet ACRAnet / Global Mortgage Reporting Centre provides lenders with premier credit technology products and exceptional customer service, offering a full range of credit reporting products, which include appraisal management software, flood certifications and automated tax return verification services.

We are committed to providing our clients premier products and services necessary for the loan origination and closing process. We strive to work closely with clients, so that we can create solutions tailored to their unique needs. Exceptional service is delivered by exceptional people. Our experienced and highly knowledgeable staff is empowered to make decisions that will expedite your loan closing process. Your team of designated customer support staff will understand your unique requirements as well as your relationship with the borrower. Our job is to provide service and support to you and your customer.

We understand that our job isn't done until the loan is closed.

Contact Us Today and Put Our Team to Work for You

Products + Services

Appraisal Firewall
Credit Reporting Services
Credit Radar
Fannie Mae Connectivity Via DU/DO
Fannie Mae Connectivity Via LP
Tax Return & W2 Verification Report
Flood Reports

Appraisal Firewall

Appraisal Firewall is a secure, online appraisal routing and communications technology tool that lets lenders keep their established relationships by helping them stay compliant with the Home Valuation Code of Conduct (HVCC).

With Appraisal Firewall, lenders can choose to continue to work with their established appraiser panels, or they can order appraisals from a third party AMC (Appraisal Management Company).

Appraisal Firewall lets you create panels of appraisers that you know, like and trust. With your established relationships delivering your appraisals to you online, you are assured that you get the same, high quality appraisals that you do today with the speed of the internet. In this changing valuation environment, nothing beats having the control you need to do business with your established relationships.

Appraisal Firewall is designed for Lenders who want to stay compliant with HVCC, and also want to internalize their appraisal ordering and management duties. Appraisal Firewall tracks all ordering processes and messaging that occurs within the system and lets you print out these communications logs for hard copy storage in case of audit.

Why spend hours and even days chasing down appraiser counties, fees, and license numbers when appraisers already have this information? Save yourself from the work by sending invitations to appraisers who can sign themselves up with your company on Appraisal Firewall. All you have to know is your appraiser's email address. Appraisers can enter their counties of coverage, their fees, upload their licenses, certifications, and E&O policies. Appraisal Firewall even checks the dates of the license expirations so you have less ongoing appraiser due diligence work.

Appraisal Firewall takes an appraisal order and places it within that lender's preferred or screened appraiser panel. The appraiser that is selected to work on an appraisal can be chosen either by Appraisal Firewall technology, or you can assign the appraiser to the order manually. Appraisal Firewall's automated order assignment utilizes vicinity to subject property, products offered by appraiser, historical appraiser quality, and other pertinent appraiser selection criteria.

A full status and communications management system is at the heart of Appraisal Firewall. You know the status of each order as it progresses, you know the information that is required to complete each order, and you know if your appraisers need any help or more information. You are notified via email whenever an order is placed, if a status changes, if your appraisers leave you a message, and when an order is delivered and ready for your review.

Credit Reporting Services

  • We offer single, double, or three-merged infile reports instantly from Equifax, TransUnion, or Experian.
  • Single infile reports can easily be upgraded to a double or three-merged infile report, as well. If upgraded within 30 days, you receive credit for the single infile and only pay for the double or three-merged infile report.
  • Equifax's SAFESCAN® fraud prevention service and Experian's OFAC Alert Service is standard on all reports.
  • FICO credit scores standard on all reports.
  • Easily order and receive supplement requests via the internet at XpertOnline.
  • View detailed billing and management reports via XpertOnline.
  • Several different sort options to choose from when formatting report data (i.e. Declining Balances, Derog. Info. first or last, etc…).
  • RMCR's – we offer traditional and non-traditional Residential Mortgage Credit Reports. Residential Mortgage Credit Reports are normally completed within 48 hours from receipt of the request.


CreditXpert® empowers you with fresh insights to uncover opportunities and make more informed decisions. A better way to manage applications and build relationships, CreditXpert enables you to adopt a consultative approach and truly serve as a trusted advisor. By improving the lending experience while introducing new business options, you close more loans.

CreditXpert® empowers every individual working with applicants by providing helpful insights, predictions, and analysis. You can quickly explore options, communicate with applicants, and confidently take action and better yet, all of the CreditXpert® products listed below may be used in conjunction with our RE-SCORE Service to help expedite the process of updating a consumer's credit file to obtain updated credit information and scores from all 3 national credit bureaus within 2 to 3 days.

The CreditXpert What-If Simulator™ allows users to simulate the results of actions before taking them so they can understand and test the impact that actions will have on credit scores. Users select pre-defined scenarios (such as, increasing or decreasing balances, opening or closing accounts, transferring balances, etc.) or customize a scenario to experiment on specific accounts. By exploring scenarios, consumers can learn if the actions are good or bad for their credit.

The CreditXpert® Essentials™ provides a quick and easy way to identify each applicant's potential score improvement and the specific actions necessary, including how much cash is needed. Essentials also provides a detailed analysis that breaks down an applicant's credit and identifies the top positive and negative factors, as well as their related tradelines and also allows you to experiment with available cash amounts and what the desired score improvement is. DETECTIVE™ - CreditXpert Detective finds potential updates – even the ones that you may overlook. By scrutinizing the data within a particular credit report and comparing it against credit reports from the other bureaus, you can rest assured that no stone is left unturned. CreditXpert Detective is flexible and works the way you want: use it to find all potential updates or just as many updates as you need to raise the score a specified amount.

The first service that automatically scans credit files for opportunities to raise credit scores based on accuracy or credit management updates. Credit Assure inspects every file so you don't have to and alerts you to opportunities and how big they are, so you don't miss out. Running in the background, scanning all your files, and utilizing proven CreditXpert optimization and simulation technology, Credit Assure automatically presents findings on every file. You don't need to know anything about credit scoring or spend time scouring credit reports-Credit Assure gives you the answers.

Better yet, Credit Assure only runs on those reports that you need it on. By setting a middle cutoff score, when a credit report is pulled and the middle score is over a certain number, Credit Assure does not run and does not appear on the report, however, if the middle score is below a certain number, Credit Assure does display on the report and provides you with potential score improvement results and provides you with a link to log directly into XpertOnline to utilize the recommended CreditXpert score simulation product – Essentials or Detective to find out the recommended actions to take to help achieve the potential score improvement.

CreditXpert® is a registered trademark of CreditXpert Inc.

Credit Radar™

Credit Radar™ is a new cover page to your mortgage credit report that at a glance makes it easier to use then ever before. You'll be able to instantly size up your loan applicants and spot any critical issues – all without digging through the actual credit report.

Key Components of Credit Radar:

Mid-score Forecast
Forecasts the mid-score for each applicant in 30 days so you know if there may be any problems at closing.

Mid-score risk
Lets you know if nominal increases in revolving balances will put the mid-score at risk of dropping.

Key Indicators
Tells you if there is something that requires your attention or not.


  • An expedited process whereby a consumer's credit file can be updated at the bureau level with Equifax, TransUnion, or Experian, and new FICO credit scores can be accessed usually within 2-3 business days.
  • Process requires certain documentation in order to be processed by the 3 national credit bureaus.
  • Scores may or may not change as a result of the Re-Score process.

Fannie Mae Connectivity Via DU/DO

  • Reports may be processed directly through DU/DO or a pre-qualify, merged credit report may be ordered to help determine if the report should be processed through DU/DO. All pre-qualify reports are assigned a Fannie Mae re-issue number so they may be easily sent through DU/DO for processing without having to pull a new credit report in DU/DO.
  • Tradeline update services available via XpertOnline.

Fannie Mae Connectivity Via LP

  • Availability to order three-merged infiles through LP.
  • Tradeline update services available via XpertOnline.

Tax Return & W2 Verification Reports

  • We offer direct verification of tax return information from the IRS. Our system is completely internet based and automated for easy and fast ordering and retrieval of tax transcript information.
  • Receive up to 4 years of tax return transcript information on an individual or business directly from the IRS within 1-2 business days.

Flood Reports

  • We currently offer complete flood services through LPS National Flood, a division of Lender Processing Services (NYSE:LPS).
  • LPS National Flood is the only flood vendor that offers the exclusive product CertMap. This free, custom product is an aerial view of the property overlaid with the FEMA Special Flood Hazard Area map. This product allows your team to visually identify the proximity to a flood zone.