Status as of

Xactus logo

Xactus down?

Xactus is a US provider of credit reporting and verification solutions for the mortgage industry. It delivers tri-merge credit reports, credit rescoring and improvement tools, income and employment verification, tax transcript services, fraud detection, flood certifications and other data used in loan underwriting. Xactus integrates with loan origination systems to streamline workflows. Mortgage lenders, brokers and credit unions use Xactus to make faster, more accurate lending decisions and help borrowers qualify.

Xactus status preview image

I have a problem with Xactus

Select the type of problem you're facing to help us and other users.

Recent User Report Trends for Xactus

Aggregated reports in the last 48 hours.

Official Status Unavailable

We couldn't load live incident data from the official status page for xactus.com at this time. Please try again later.

User Reports for Xactus

Recent issues reported by users from around the world.

Experiencing an issue? Add your report:

Stop refreshing this page

We'll email you the moment Xactus goes down — and again when it's back.

How to fix Xactus not working

Xactus provides credit reports and verification services for mortgage lenders and brokers. Its services include credit reports, income and employment checks, fraud checks and flood certifications, and it links to loan origination systems. Find your symptom below. Most problems come from a sign-in, a borrower detail that does not match, a report setting, or the platform itself. Never send borrowers' personal details, credit information or account numbers in a support message.

Jump to what you are seeing

Website Down

The Xactus website does not load for you.

  1. Open the page in a private window and on another network.
  2. Check status.xactus.com for an active incident.
  3. If only your network is affected, ask IT to check the firewall.

Login Failed

Sign-in is refused.

  1. If the message says the password is wrong, reset it through the official route and check spam.
  2. Check you are using the account your company set up.
  3. Try a private window to rule out an old session.

Report Generation Failed

A credit or verification report does not generate.

  1. Check the borrower's name, date of birth and address match what is needed for the report.
  2. Check the report type is included in your subscription.
  3. Check status.xactus.com, and send the order reference and the time to your administrator.

API Error

Calls to the Xactus API fail or return an error.

  1. Check the status code. An access error usually means the credentials are wrong, too many calls means you should slow down, and a server error means a service-side problem.
  2. Confirm the credentials have not expired and are for the right account.
  3. Retry with a growing delay, and check status.xactus.com if several calls fail together.

Credit Report Issues

A credit report shows missing or unexpected information.

  1. Check the borrower's details were entered exactly, including any previous names or addresses.
  2. Ask the borrower to check the information with the credit bureau if it looks wrong.
  3. Check status.xactus.com, and do not change the loan file until the report is confirmed.

Verification Delay

An income or employment check stays pending for a long time.

  1. Check the employer and the borrower details are complete, and that the consent form is signed.
  2. Allow the time the verification usually takes, since some employers reply slowly.
  3. Check status.xactus.com, then contact the employer's HR route with the request reference.

Slow Performance

Pages or report views are slow to load.

  1. Narrow the file or the date range you are viewing.
  2. Try again at a quieter time of day.
  3. If it is slow for everyone, check status.xactus.com.

Still not working?

Contact your organisation's Xactus administrator, or your lending operations lead, first. For a platform-wide problem, contact Xactus support through the help option in the platform or on its website. Have your organisation name, the order or file reference (not the borrower's details), the exact error text, and the time with your time zone. Never send credit information, Social Security numbers or account numbers in a support message. Live incident updates are on status.xactus.com.

Most verification problems come from a detail that does not match, a missing consent form or a slow external source, and they usually clear once that is checked. The status page shows live incidents, so you can see whether the problem is on Xactus's side.

Frequently asked questions about Xactus

Is Xactus down right now?

We cannot confirm an outage for Xactus (xactus.com) at the moment, and we have no live automated check result to show for it. This page relies on incident updates and reports from users.

What should I do if Xactus is not working for me?

First rule out your side: reload the page, try another browser or device, clear the cache and cookies for xactus.com, flush your DNS cache and turn off any VPN or proxy. Then compare with this page: if the status shows an incident, or many users reported problems in the last 48 hours, the issue is on the service's end and usually clears up without any action from you. The troubleshooting steps on this page go through each check in order.

How do I report a problem with Xactus?

Use the report buttons at the top of this page, or describe the problem in the user reports section. Every report is counted in the 48-hour trend chart and helps other people see whether the problem is widespread.

Where is the official Xactus status page?

The official status page for Xactus is status.xactus.com.

Advanced Domain Info Unavailable

We couldn't load advanced domain and security information for xactus.com at this time. Please try again later.