Updates when you need them and how you need them: Quickly and accurately.

Swift review processes mean applicants meet loan requirements – and approval – sooner.

When you need updates on your customer’s credit, speed and accuracy – hallmarks of customer service – are imperative. We get that. This is why we won’t make you wait on hold or for a reply for hours upon end.

When you reach out to Accurate Financial Services, we pick up the phone or reply to your email and help you – immediately. You wouldn’t ask your customers to put their dream of home ownership on hold, and we won’t either.

You can also easily order online through Xpertonline or through your LOS system.

Ask us about:

  • Tradeline verification updates.
  • Verify new accounts.
  • Rent verifications.
  • Non-traditional account verifications.
  • And more.

Questions? You’re our priority – call us at 800-373-5333 for answers. We’re here to help!

  • Monday, 8 a.m. – 6 p.m.
  • Tuesday through Thursday, 8 a.m. – 6:30 p.m.
  • Friday, 7:30 a.m. – 4:30 p.m.

Click here to download a Credit Reports Supplement PDF.  AFS_Credit Reort Supplements

We’ve told you about our knack for speed and accuracy, and here’s another example: Our rescore process is updated credit information from the three national repositories (Equifax, Experian and TransUnion). The Rescore process may help your borrower qualify for a loan or achieve a better rate with an accurate credit score.

Why do a Rescore?

  • Update status on accounts via balance or paid in full status.
  • Remove an authorized user account.
  • Deletion of collection accounts in an expedited time frame
  • And more.

Also, if you use CreditXpert®Wayfinder and/or CreditXpert®What-If Simulator™ to analyze your applicant’s credit and identify opportunities to improve their scores, the rescore process may outline their efforts to obtain the desired projected score recommended by these tools.

Questions? You’re our priority – call us at 800-373-5333 for answers. We’re here to help!

  • Monday, 8 a.m. – 6 p.m.
  • Tuesday through Thursday, 8 a.m. – 6:30 p.m.
  • Friday, 7:30 a.m. – 4:30 p.m.

Click here to download a Rescore PDF.  AFS_Rescore 

This inexpensive service provides you with official insight into the “ability to repay” question. It’s from the IRS, and it provides a Tax Return Verification (TRV) that can be ordered through your LOS or through our ancillary services platform (EPN) and delivered electronically.

Tax Verification Provider is an all-in-one technology system that automates your processes, reduces paperwork, and delivers better control of your 4506 processes.

  • The tax transcript includes salary and wages as well as investment income.
  • The 4506-C form provides the lender with transcripts that verify with the IRS the income verification forms provided by the borrower align with the IRS.

Questions? You’re our priority – call us at 800-373-5333 for answers. We’re here to help!

  • Monday, 8 a.m. – 6 p.m.
  • Tuesday through Thursday, 8 a.m. – 6:30 p.m.
  • Friday, 7:30 a.m. – 4:30 p.m.

Click here to download a TRV/4506-C PDF.   TRV_4506-C

There’s a safer, more efficient way to get property inspection reports and collateral valuation data and that’s through Appraisal Firewall’s Verisite Line of Products.

Verisite mobile valuation tools are ideal for equity lending.

Use Verisite’s Mobile Inspection Tools on purchase and refi loans and sub-loan products that do not require a full appraisal, such as home equity loans, disaster relief inspections, new construction progress evaluations, and portfolio reviews.

Confirm completed insurance repairs and validate internal and external property conditions.

Click HERE to learn more about the Verisite Photo Report, the Verisite Collateral Data report, and Verisite Plus.

Questions? You’re our priority – call us at 800-373-5333 for answers. We’re here to help!

  • Monday, 8 a.m. – 6 p.m.
  • Tuesday through Thursday, 8 a.m. – 6:30 p.m.
  • Friday, 7:30 a.m. – 4:30 p.m.

Click here to download a Verisite PDF.  AFS_Verisite

Automated valuation models (AVM) – used, for example, when ownership is not changing – come with several benefits, all of which save you time and money:

  • Instant valuation based on unbiased property assessments.
  • Time-saving market value estimates for residential properties.
  • For low-risk loans, AVM values are often sufficient to rapidly originate the loan.
  • Extremely easy to use! All you need to get started is internet access and a property address.

Questions? You’re our priority – call us at 800-373-5333 for answers. We’re here to help!

  • Monday, 8 a.m. – 6 p.m.
  • Tuesday through Thursday, 8 a.m. – 6:30 p.m.
  • Friday, 7:30 a.m. – 4:30 p.m.

Click here to download an AVM PDF.  AFS_AVM

Minimize risk and detecting fraud with the SSA-89.  Match the applicants name, Social Security Number, and Date of Birth directly with the Social Security Administration.

  • The applicant’s SSN, name and DOB are submitted to the SSA and will be returned as either “SUCCESSFUL” (Match) or “UNSUCCESSFUL” (No Match).
  • “DECEASED” may be reported when applicable if the input matches a record on the SSA’s Death Master File.

Questions? You’re our priority – call us at 800-373-5333 for answers. We’re here to help!

  • Monday, 8 a.m. – 6 p.m.
  • Tuesday through Thursday, 8 a.m. – 6:30 p.m.
  • Friday, 7:30 a.m. – 4:30 p.m.

Click here to download a SSA-89 PDF.  AFS_SSA

Click here to download a SSA-89 Form.  New SSA-89 form Sept2020

Industry leader ServiceLink National Flood is utilized to determine flood risk level associated with a property, helping lenders maintain compliance with ever-changing federal regulations by:

  • Using the most current FEMA data, 
  • Advanced technology
  • Comprehensive, nationwide GIS coverage

We also favor ServiceLink because they are highly accurate, and they have one of the fastest turn-times in the industry.

Questions? You’re our priority – call us at 800-373-5333 for answers. We’re here to help!

  • Monday, 8 a.m. – 6 p.m.
  • Tuesday through Thursday, 8 a.m. – 6:30 p.m.
  • Friday, 7:30 a.m. – 4:30 p.m.

Click here to download a Flood Zone Determination PDF.  AFS_Flood Zone Determination

  • Basic and Life-of-Loan Flood Zone Determination 
  • Portfolio Compliance Review 
  • Life-of-Loan Conversion
  • CertMap® – This exclusive product is offered to loan officers and applicants, at no additional cost, when a structure is determined to be “in” a flood zone.
  • Secured Data – Lenders can rest assured their data remains protected with the utmost security ServiceLink National Flood’s state-of-the-art data center provides.

Questions? You’re our priority – call us at 800-373-5333 for answers. We’re here to help!

  • Monday, 8 a.m. – 6 p.m.
  • Tuesday through Thursday, 8 a.m. – 6:30 p.m.
  • Friday, 7:30 a.m. – 4:30 p.m

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Joe Strilbyckij, Senior Account Manager

Joe has been delivering credit reporting and verification services nationally for over 30 years.

He believes in building relationships with lenders for the goal of making the process of home ownership a reality.

Active in Rotary and Knights of Columbus, Joe also enjoys golfing, cycling and spending time with family and friends.

Jackie Drziak, Chief Compliance Officer

As Chief Compliance Officer, Jackie brings 22 years of consumer reporting experience to Credit Information Systems and to our clients.

Jackie has been a frequent speaker and trainer throughout the industry.

In addition to having worked in CRA Reseller compliance, she has also spent years originating residential mortgages for various national mortgage companies and operated All in Compliance, an industry compliance consulting firm. While managing “AIC”, Jackie wrote and marketed a consumer reporting compliance certification program designed to educate and offer certification for industry professionals.

Jackie earned a BS in Marketing from Quinnipiac University. When not working she loves to spend time with her family and enjoys a great love for all animals, big and small.

Ron Livingston, Vice-President

Most of Ron Livingston’s career has been spent in the lending services arena. 

In the early 2000s, Ron left Accurate Financial Services to work as the Director of Information Technology for a mortgage company with annual sales of $14 billion. With experience from sitting on both sides of the credit transaction, Ron returned to the AFS team in 2019, bringing a wealth of knowledge to better assist clients navigating the complex mortgage process.

Currently, Ron is a Vice President at Accurate Financial Services, a subsidiary of Credit Information Systems.  His interests are in smart home technology and real estate, keeping him busy at home in Nashville, TN.

Amy Blubaugh, Marketing Director

Over the last thirty years, Amy Blubaugh has been honing her marketing skills while gathering experience and learning from each of her diverse career opportunities and co-workers.

As a college student studying communications and public relations in the early 1990s, Amy worked as a research phone representative at a radio station. It was with this job, and through several other tasks assigned at the station, Amy noticed she was drawn to events and messages generating a response.

Upon college graduation from the University of Nebraska Omaha in 1993, Amy accepted a Sales Assistant position for KEZO-FM (later, Journal Broadcast Group). Eager to support the sales team with communication to clients and office management, she was also excited to help with station events and programming needs. Her dedication and the talents she observed from her co-workers helped her learn to listen to the customer’s needs and create turnkey marketing programs.

In early 1995, Amy moved on to Redstone Communications as a Media Buyer. Broadening her media knowledge, she was invigorated by people with the same goal of garnering a response by delivering the right message to the right customer via the right mix of media.

After a short return to radio, Amy found herself taking her marketing knowhow to the finance industry as a Product Manager for First National Bank Omaha’s bank card division. Working for eight years with direct mail, event marketing, operations and emerging forms of electronic media was a great way to learn to project profitability, measure response and properly analyze results.

As both the Partnership Marketing Manager and Acquisition Manager for Omaha Steaks, Amy spent the next ten years working with various companies throughout the country developing marketing programs to sell product, acquire new customers, and generate leads and awareness of the business. It was with this position Amy was able to improve both her marketing analyst and creative abilities, producing reports to track real time results and make tweaks to print and digital ads to improve marketing efforts.

Amy began her four years at Mutual of Omaha in late 2015 managing product launches, applying process to all areas of marketing, testing print and online campaigns and maneuvering marketing projects in a very regulated industry.

Excited to be the first marketing-focused member of the Credit Information Systems team and work within the business-to-business area, Amy joined as Marketing Director in December of 2019.

Mike Osbourne, Senior Account Manager

For Mike Osbourne, his 28-year career in the credit reporting industry began October 1990 in a sales role for CSC Credit Services. As an Account Manager for CSC, Mike opened a brand-new sales territory in Western Iowa and developed new and existing accounts in Eastern Nebraska. CSC was acquired by Equifax and Mike continued to work successfully at various sales roles within the new organization for his midwestern clients. Mike joined Credit Information Systems as a Senior Account Manager April 2021.

Mike has a passion for the financial services industry both personally and professionally. Mike has served on several credit industry boards and continues to facilitate financial literacy though Financial Peace University.

Mike grew up in Northwestern Illinois and received his Management degree from Millikin University in 1985. He moved to the Omaha in 1987. Eventually, he went on to earn his MBA from the University of Phoenix. Mike is excited to now be part of the customer-focused sales team at Credit Information Systems.

Shane Hoelscher, Senior Account Manager

Shane Hoelscher received his Bachelor of Science degree in Agricultural Economics in 1991 from Texas A&M University. He followed that up with a Master of Agriculture in Agricultural Economics – Agribusiness emphasis in 1994. Shortly thereafter he entered a management training program with Terminix Pest Control engaging in all aspects of the professional environment.

Shane began his 23-plus year career in the credit industry after leaving Terminix to join CSC Credit Services as an Account Manager. He managed the relationships and was responsible for revenue-growth with various resellers in the auto, mortgage, tenant, and employment screening industries. In addition to his account management role, Shane was also a member of a new business development team and eventually led a trio of representatives engaged selling credit reporting services to all types of industries.

Shane continued with Equifax as a Channel Manager after they acquired CSC Credit Services in 2012. His primary focus was on the small-to-mid-sized resellers of Equifax products and services before he separated from Equifax in 2020.

Shane joined Credit Information Systems in April, 2020 as a Senior Account Manager and is looking forward to continued growth for the company.

Chad Hartnett, Chief Financial Officer

Chad has over 29 years of finance leadership experience in industries that include professional services, vertically integrated supply chain, franchise and public accounting.

After graduating in 1992 from the University of Nebraska-Lincoln with a degree in Accounting, Chad spent 6 years in public accounting as a consultant and auditor with companies that included Deloitte & Touche and Ernst & Young.

Chad then worked 16 years at HDR, Inc., one of the country’s largest engineering and architecture firms, in various roles including leading the company’s mergers and acquisitions division. He spent his final 7 years as the company’s Treasurer and Corporate Controller.

Chad then worked for 4 years as the Chief Financial Officer of Scooter’s, one of the fastest growing vertically integrated franchise companies in the country before joining Credit Information Systems in 2020 as their Chief Financial Officer and member of the board of directors.

Lee H. Volmer, Vice President Sales

In 1979, Lee Volmer’s Credit Reporting industry career launched with the Credit Bureau of Rockford, Illinois, where he was involved in automation to the Chilton System. After the Credit Bureau was purchased by Parker Business Systems, Lee was promoted to General Manager and led the Bureau’s conversion to the TransUnion System.

Lee was transferred to Seattle, Washington in 1982 to automate and market Washington and Oregon as an affiliate of the TransUnion System. Parker Business sold the franchise to TransUnion in 1985 and Lee took on the role as sales manager of Chilton’s Dallas, Texas operation. Promoted to General Manager of Chilton’s Omaha, Nebraska location in 1986, Lee’s duties included management of a 5-state area. Lee left TRW (formerly Chilton) in 1994 and worked with CSC Credit on special projects.

The Credit Bureau of Council Bluffs added Lee to the team as Vice President of Sales in 1995, a position he currently holds along with being a trusted resource to many in the credit reporting industry.

Helen M. Meyers, Executive Vice President

With a Credit Reporting career spanning more than forty years, Helen Meyers started at Credit Bureau of Council Bluffs (1975-1979) learning the business and providing service to customers by reading their credit reports to them over the phone, verifying tradelines and gaining certification to interview consumers during a time when consumer files were handwritten.

In 1980, Helen accepted a customer service position in the installment loan department of Council Bluffs Savings Bank. Before she left the bank in 1995, she had worked her way up to Assistant Vice President/Loan Officer.

Returning to the Credit Bureau of Council Bluffs (d/b/a Credit Information Systems) in 1996, Helen has spent the last twenty-five years overseeing all mortgage loan customer service staff members, ensuring happy clients and a smooth flow of the company’s day-to-day operations. She also manages compliance with the Repositories as well as with state and federal laws.

Helen also served on the board of the National Consumer Reporting Association (NCRA) from 2018–2020.

Heather Russell-Schroeder, President

Heather Russell-Schroeder began her 35 plus year career in the Credit Reporting industry as a high school and college student working part-time answering phones, entering data, handling consumer disputes and public record bulletins for her family’s business, Credit Bureau of Council Bluffs.

After graduating from the University of Nebraska Lincoln with a Master of Arts Degree in Deaf Education in 1997, Heather spent two years teaching 1st grade at Crete Elementary and managing their Deaf Education program.

Heather returned to the Credit Bureau of Council Bluffs in 2000 as Compliance Officer – Executive Vice President, holding that position for eight years.

Heather has been the Credit Bureau of Council Bluffs, President and the President of Performance Data Systems, Inc since 2008. Beginning in 2009, Heather was the Co-Owner Credit Bureau of Council Bluffs, Inc and Performance Data Systems, Inc.

Currently, Heather is the third generation Owner Credit Bureau of Council Bluffs, Inc and Performance Data Systems, Inc.