LASER ACCESS
Salesforce Xactus integration: Xactus credit reports on the loan record.
LASER Credit Access® connects your Salesforce org to your Xactus account. Order a merged, streamlined or soft-check Xactus credit report from any record, and keep the parsed data and the PDF on that record. No exports, no second login.
4.8760 reviews on Salesforce AppExchangeWhat it does
Xactus credit data on the Salesforce record where you need it.
Xactus is a credit reporting agency. Through a Xactus account, LASER ACCESS can request a credit report that includes Experian, TransUnion and Equifax data, depending on the bureaus enabled on your login. From a Lead, Contact, Account, Opportunity or custom loan record, your team orders the report with one click.
The Xactus credit report comes back as structured Salesforce data, not just a document: tradelines, payment history, addresses and public records on a Personal Credit Report linked to the loan. The PDF attaches to the same record, so the file, the data and the decision stay together.
Merge, Streamline and SoftCheck reports
Choose the Xactus report type each time you pull. Merge is the default, Streamline is available, and a login marked for soft pulls orders the Xactus SoftCheck report.
The bureaus on your Xactus login
Tick Experian, TransUnion and Equifax on the credential, and their data comes back in the Xactus report. Add a co-applicant on the same pull.
Reissue, retrieve and upgrade
Work from an existing report ID. Reissue returns the original merged report, retrieve returns it as it stands now, and upgrade adds bureaus or removes a borrower.
Parsed data and the PDF
Trade accounts, payment history, addresses and public records land in Salesforce objects your team can report on. The PDF attaches to the record you pulled from.
Duplicate control and a record of every pull
Reuse a recent report inside a window you set, from 1 to 90 days. A successful pull creates a Personal Credit Report; a failed one creates a Credit Report Log with the error.
OFAC screening with the pull
Run an OFAC check when the report is requested, or run the credit pull only when no match is found. Results flag potential matches for a person to review.
Xactus is one of several credit providers in LASER ACCESS
Pull from the provider your credit policy calls for, without a separate integration for each. See the full list of bureaus and agencies on the credit partners page.
Also integrated through LASER ACCESS
Already on Xactus? You can add or switch to any of these with the same package.
How it works
Four steps from install to first Xactus credit pull.
Install the managed package
LASER ACCESS installs from the Salesforce AgentExchange under the LASERCA namespace. It works in Sales Cloud, Service Cloud and custom Lightning orgs.
Add your Xactus login
In Configuration, open Data Providers and the Xactus tab. Enter the username and password Xactus issued, tick the bureaus to include, and use demo mode to test before you go live.
Map fields and set permissions
Match applicant name, address, SSN and birthdate to your Lead, Contact, Account, Opportunity or custom loan object. Decide which users can pull with the Xactus login.
Pull from any record
Click Get Credit Data and pick the report type, or automate it with a Flow, a scheduled pull or a Portfolio Review batch. The report and its parsed data attach to the record.
Frequently asked questions
Common Salesforce Xactus integration questions.
How do I connect Xactus to Salesforce?
Install LASER ACCESS, a Salesforce-native managed package (namespace LASERCA), then add your Xactus login on the Xactus tab under Configuration and Data Providers. Once the fields are mapped, your team can order Xactus credit reports from Lead, Contact, Account, Opportunity or custom loan records with standard Salesforce permissions.
Which Xactus report types does LASER support?
Merge, Streamline and SoftCheck. Merge is the default. You choose the type when you pull, whether from the Get Credit Data button or from a Flow, and a login marked for soft pulls orders SoftCheck by default.
Does LASER support Xactus soft pulls?
Yes. Mark the Xactus login for soft pulls and it orders the Xactus SoftCheck report by default, so you can prequalify a borrower without a hard inquiry. A soft pull is still a consumer report, so it needs a permissible purpose, usually the consumer's written instruction.
Which credit bureaus can a Xactus report include?
Experian, TransUnion and Equifax, as enabled on your Xactus login. You can include a co-applicant on the same request.
Can I reissue, retrieve or upgrade an existing Xactus report?
Yes, using the report ID from the original pull. Reissue returns the original merged report, and by default Xactus allows it within 30 days of the original order. Retrieve returns the report in its current state, including any later edits. Upgrade adds bureaus to the report or removes a borrower; removing a borrower creates a new report with a new ID.
Can I automate Xactus credit pulls?
Yes. LASER ACCESS exposes an invocable action for Salesforce Flow and an Apex method that accepts XACTUS as the provider. You can also schedule repeat pulls every 3, 6 or 12 months, or run a Portfolio Review to pull for many records at once.
Do I need my own Xactus account?
Yes. LASER ACCESS connects to your Xactus account with the username and password Xactus issued to you. Your agreement with Xactus stays between you and Xactus.
Keep reading
Xactus credit reports, inside Salesforce.
See LASER ACCESS ordering a Xactus credit report against a live record.