Mortgage credit reporting since 1989

More than credit reports, a team that helps keep your files moving.

Mortgage credit reports, soft pulls, supplements, rescores, and verifications from one mortgage-focused team. Serving mortgage professionals since 1989.

Get started today → Call 800-290-2801
★★★★★
5.0· 190+ reviews
5.0-star Google rating with 190+ reviews
Google · Information Searching Company
At a glance
37+
Years in businessFamily-owned since 1989
10,000+
Professionals servedSince 1989
25+
LOS integrationsPlugs into your workflow
Trade turnaround, MeridianLink Benchmark, May 2026
ISC Credit
1.5 hrs
Average trade turnaround
Industry Average
26.8 hrs
MeridianLink benchmark
Source: MeridianLink Industry Benchmark, trade turnaround, May 2026
View benchmark history →
FCRA Compliant
GLBA Compliant
Family-owned
U.S.-based Support
25+ LOS Integrations
Why ISC

Mortgage credit support should be fast, human, and dependable.

ISC has been getting this right for mortgage professionals since 1989. Many client relationships span years, not months.

⚡
Fast when it counts.
MeridianLink Industry Benchmark data ranked ISC #1 in trade turnaround for 12 consecutive months.
👤
A real team on your account.
Every ISC client works with a dedicated support team, not a ticket system or an automated phone line. When you call, someone who knows your account picks up.
🔒
Borrower data is sensitive. We treat it that way.
FCRA and GLBA compliant since 1989, with strict access controls and careful data handling.
🏠
Family-owned since 1989.
Not a private equity roll-up. Not a publicly traded company. A family-owned business focused on long-term client relationships, not quarterly targets.
Who ISC is for

ISC is a strong fit if you are…

If any of these sound familiar, ISC was built for your workflow.

📋
A mortgage broker dealing with slow supplements or rescores
If you are waiting days for supplement updates, ISC's supplement turnaround is often within an hour.
🏛️
A lender who needs responsive credit support without multiple vendors
ISC provides the full range of mortgage credit products on one account, one invoice, with a support team that understands lender workflows.
📞
A team that wants real people, not ticket queues
When a file is stuck, you should not have to wait behind a ticket number. ISC clients get direct access to a dedicated team from day one.
💰
A broker or lender who wants to control credit pull costs
ISC's SmartSelect cascading pulls and soft pull options help your team review borrowers earlier while controlling unnecessary pull costs.
Think ISC may be a fit?

Talk with our team and see how ISC compares to your current credit provider.

Compare my setup →
Products & Services

Everything your pipeline needs, from one team.

One account. One invoice. One support team that knows your workflow. Flexible, cost-conscious pricing built around your volume.

★ Top seller 🔍
AUS Soft Pull
Review borrower credit earlier with a soft inquiry, no hard inquiry, no impact to the borrower's credit score, and support for AUS workflows where available.
Best for: Early pipeline qualification, pre-screening, AUS review
Learn more →
Instant 📊
Trended Mortgage Credit Reports
Tri-merge reports ready for Fannie Mae DU and Freddie Mac LP. VantageScore 4.0 opt-in available where supported.
Best for: Full application underwriting
Learn more →
Cost-efficient 🎯
SmartSelect Cascading Pulls
Start with one bureau. Only pull the rest if the borrower passes your filters. Cascade stops on frozen bureaus, no wasted cost.
Best for: High-volume pipelines, cost control
Learn more →
Standard: 2–5 business days ⚡
Rapid Rescore
ISC helps submit verified credit updates to the bureaus for review. Standard turnaround is 2-5 business days, with a 24-hour rush option available for time-sensitive files.
Best for: Borderline files, rate lock deadlines
Learn more →
Often within an hour 📋
Credit Supplements
Credit supplements handled quickly, clearly, and by people who know mortgage files.
Best for: Underwriting documentation updates
Learn more →
Score optimization 🧮
Score Optimization
Model potential score outcomes before spending rescore fees, using credit simulation tools.
Best for: Borderline scores, rescore strategy
Learn more →
Instant to 4–5 days ✅
Borrower Verifications
The verification products your team needs, without juggling multiple vendors. VOI, VOE, SSA-89, Tax Transcripts, flood, and more.
Best for: Full underwriting verification stack
Learn more →
Pipeline protection 🔔
Undisclosed Debt Monitoring
Know the moment a borrower opens new credit between application and close, before it derails your closing.
Best for: Application-to-close pipeline protection
Learn more →
Client retention 📈
Post-Close Monitoring
Get alerted when a past client shows signs of being in the market again, so you can reach out before someone else does.
Best for: Client retention and recapture
Learn more →
MeridianLink benchmark

Ranked #1 in trade turnaround for 12 straight months.

Based on MeridianLink Industry Benchmark data from June 2025 through May 2026.

MeridianLink Industry Benchmarks

How ISC compares

MeridianLink benchmarks trade turnaround times across credit reporting agencies and updates the data monthly. The latest figures are shown here. The full month-by-month history lives on ISC Insights.

Source: MeridianLink Industry Benchmark, Trade Turnaround. Updated monthly.
View benchmark history →
ISC vs. industry, trade turnaround (hours)
May 2026
1.5 hrs / 26.8 hrs
Apr 2026
0.9 hrs / 26.1 hrs
Mar 2026
1.0 hrs / 28.2 hrs
Feb 2026
1.2 hrs / 27.2 hrs
Jan 2026
0.4 hrs / 27.3 hrs
Dec 2025
0.6 hrs / 31.5 hrs
6-month
average
0.9 hrs / 27.9 hrs
010203040
hours
ISC averageIndustry average
Real support

We pick up the phone.

When a file is stuck, you should not have to wait behind a ticket number.

ISC clients work with a dedicated support team from day one. No hold queues. No ticket runaround. A knowledgeable person who understands mortgage files answers when you call during business hours.

Dedicated support team on every account
Direct access, no call center runaround
A live person when you call during business hours
Real U.S.-based people who understand mortgage files
Meet the team →
What that looks like in practice
⚡
Fast trade updatesMeridianLink Industry Benchmark data ranked ISC #1 in trade turnaround for 12 consecutive months.
📞
Real U.S.-based supportReach a support team that understands mortgage files and knows your account.
🏠
37 years of mortgage credit experienceFamily-owned and serving mortgage professionals since 1989.
🧩
Flexible solutions for different teamsCredit reports, soft pulls, supplements, rescores, verifications, integrations, and lender programs under one roof.
How ISC Compares

The difference is clear.

You do not need us to name competitors. The numbers and the service model speak for themselves.

What matters Many large national vendors ★ ISC Credit
Support model Ticket systems, call queues, and layered support ✓ A dedicated team that knows your account and picks up when you call
Trade turnaround 12-month industry average for trade turnaround, based on MeridianLink benchmark data ✓ Ranked #1 in trade turnaround for 12 consecutive months
Relationship Large vendor model, often one account among thousands ✓ Family-owned since 1989, built around long-term relationships
Mortgage focus Broad credit and data services across multiple industries ✓ Mortgage-focused products and support built for loan originators
Client ratings Public review history may vary by company and location ✓ 5.0-star Google rating with 190+ reviews
Want to see the difference in your current setup?

Compare support, turnaround, pricing, and workflow fit with a team that understands mortgage credit.

Compare your provider →
Client reviews

Rated 5.0 stars on Google by 190+ reviewers.

Google reviews for Information Searching Company.

5.0
★★★★★
190+ Google reviews
Google · Information Searching Company
★★★★★
Our company has done business with ISC for over 15 years. The staff is incredibly amazing to work with, very professional and will assist with your credit needs in a timely manner. Best credit company to work with.
Jacqueline Guerra
Lending Key, Inc.
1 year ago
★★★★★
Brian and the ISC team have been awesome to work with. Super responsive and always quick to jump on any questions or issues. They're the best credit company I've worked with in the last 7 years.
Anton Guerrero
Mortgage Professional
9 months ago
★★★★★
Always receive great service from the ISC team. Fast turnaround on credit reports and their team is always available and helpful. The report formatting saves a lot of time explaining things to borrowers.
Louis West
8-year ISC client
6 months ago
★★★★★
ISC has been great to work with, very responsive, great price, and Vaughn has been amazing. Their system is very easy to work with. Highly recommend to anyone looking for a credit reporting agency.
Alice Y.
Mortgage Broker
1 year ago
★★★★★
Been with ISC Credit for 8 years. Reasonable prices and great customer service. They always go above and beyond to make sure everything is handled quickly and correctly.
George Loakes
8-year ISC client
8 months ago
★★★★★
Very efficient and professional. Great attention to detail and quick to respond to any requests. The team at ISC makes the credit process seamless and stress-free.
Ryan Wang
Mortgage Professional
3 months ago
Worked with ISC? We'd appreciate your review.
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LOS Integrations

Works with the LOS your team already uses.

ISC connects with 25+ loan origination systems. Order reports, receive results, and keep files moving without switching screens or entering data twice.

Encompass
Blend
Arive
LendingPad
CalyxPoint
Loan Quest
MortgagebotLOS
MortgagebotPOS
Blue Sage
Loan Producer
LodaSoft
PowerLender
Empower
LendingSpace
Creative Visions
Enterprise Lending Ctr
MOSO v1.9.3
ProLender
Path
Intelligent Mortgage
DestinyLOS
EPIC
NextSpring
LenderAssist
FinConnect
View full integration guide →
Get started with ISC

Let's find out if ISC is the right fit for your team.

Tell us a bit about your business and an ISC team member will be in touch within one business day.

Mortgage-focused support team from day one
Smooth onboarding once compliance requirements are complete
25+ LOS integrations
FCRA and GLBA compliant
Serving mortgage professionals since 1989
Required fields marked *. ISC will respond within one business day.

Ranked #1 in trade turnaround on MeridianLink for 12 consecutive months.

Join the 10,000+ mortgage professionals ISC has served since 1989, and see why we have a 5.0-star Google rating from 190+ reviewers.

Get started today →
Family-owned since 1989
Benchmark-backed turnaround
FCRA and GLBA compliant
Smooth onboarding process