NCS Integrates with Calyx® to provide TRV® Services

Consumer reporting agency joins forces with leading provider of
loan origination and processing software to help lenders close more loans

NCS (National Credit-reporting System, Inc.), a full-service consumer reporting agency specializing in income, identity and credit intelligence, has integrated with Calyx Software’s® Point® loan origination software, enabling mortgage lenders to save time and effort by streamlining the process of verifying a borrower’s income. Calyx Software, based in San Jose, California, is a leading provider of loan marketing, origination and processing software. Through this integration, users of Calyx Network® now have access to NCS’ full line of TRV® Services tax return transcript products, allowing them to obtain borrower income data from the IRS without leaving Calyx Point®.

"We are pleased to have NCS join the Calyx Network," said Dennis Boggs, EVP, business development for Calyx. "We look forward to a productive relationship bringing superior service and profitability to our customers – and their borrowers – in the mortgage industry."

TRV® Services is a unique offering in the mortgage marketplace, providing concise ability-to-repay insight with customizable reports based on data obtained through the IRS form 4506-T, the standard document used to verify a mortgage borrower’s income. NCS has an industry-leading acceptance rate of 96% for the 4506-T forms it submits to the IRS on behalf its clients and continues to develop new ways for its clients to close more loans while efficiently meeting evolving compliance requirements.

“By providing TRV® Services to all users of Point, we will greatly streamline the borrower verification process and speed up workflows,” said Curtis Knuth, executive vice president of NCS. “We’re looking forward to showing current and prospective clients this exciting new integration at next month’s 100th Annual MBA Convention and Expo in Washington, DC.”

NCS offers its solutions directly to customers as well as through TRV® Alliance Partners, a network of reseller credit reporting agencies (CRAs). Its wide range of performance metrics reporting and customizable product options include the TRV® Report, TRV® AGI Report and the highly requested TRV® Cash Flow Analysis. All options are available to NCS and Alliance Partner clients, regardless of volume or size.

About Calyx Software
Calyx Software is the #1 provider of affordable mortgage solutions for banks, credit unions, mortgage bankers and brokers. Beginning with customizable websites that offer online mortgage applications with eDisclosures and document request/retrieval, Calyx offers products that enable smooth bi-directional flow of data from start to finish. Our solid yet flexible LOS delivers smart technology with electronic document management, back-end functionality such as underwriting and secondary marketing, strong security, remote access and a configurable business rules engine needed for workflow and compliance. Convenient interfaces with over 200 vendors providing PPE, closing documents, compliance services and more make end-to-end processing and reporting simple and accurate. Lenders can take advantage of Calyx’s fully integrated automated underwriting and pricing products that determine loan eligibility and pricing against investor or FHA guidelines. Complimentary support and online training are included with all Calyx products. For more information, call (800) 362-2599 or visit

About NCS National Credit-reporting System, Inc. (NCS), founded in 1978, is a full-service, consumer-reporting agency specializing in income, identity and credit intelligence. NCS provides cutting-edge, superior quality, data-driven solutions that enable its clients to meet compliance requirements and minimize risk. In 1994, NCS became the nation’s first company to 4506-T solutions nationwide. Visit or call 800-582-7066.

This post is a press release sent by NCS to the media on September 11, 2013


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