If you've ever pulled a client's credit report and then spent the next hour manually typing every creditor, balance, and account number into Schedules D, E, and F, you already know exactly why this integration exists.

NextChapter's credit report integration, built in partnership with Xactus, takes that entire process and automates it. Pull the report, and the information flows directly into your case. No retyping, no double-checking your own data entry, no wasted afternoon.

What It Actually Does

Once your account is set up, pulling a credit report inside NextChapter automatically populates the claims sections of your case. Every creditor and balance from that report gets pulled in and reflected on Schedules D, E, and F, the exact sections you'd otherwise be filling in by hand.

And if you're worried about it stepping on information you've already entered manually, don't be. The integration only adds what's in the report, but won't overwrite or delete anything you've already put into the case.

Getting Started Is Simple

Setting up the integration is a short process:

1. Fill out an application in your NextChapter Account Settings under the Credit Report Integration tab.
2. Xactus reaches out directly to gather any additional documentation they need.
3. They schedule an onsite inspection: this is a standard bureau requirement to confirm things like proper firm signage, secure storage for files, and a shredding bin on-site.
4. Once approved, Xactus sends us your credentials, and you're ready to pull reports.

Pulling a Report Takes Minutes

Once you're set up, requesting a report inside a case is straightforward. Before pulling, you'll just need three things in place:

• An attorney assigned to the case
• The debtor's Social Security number saved in their profile
• The debtor's address on file

From there, head to the Credit Report tab, confirm client authorization, and request the report. NextChapter pulls it in, and the claim information populates automatically, turning what used to be manual data entry into a task that takes minutes, not hours.

If you need to change the information later or at a joint debtor to your case, just hit "Resubmit“ in the Credit Report tab from within the case and the system automatically pulls the updated report and adjusts billing, so you're only charged the difference between the individual and joint report cost. See this article for more information on Credit Report pricing.

Why It's Worth Setting Up

If you're still manually entering every line of a credit report into your schedules, this integration exists to give that time back. It's a short setup process, an easy ongoing workflow, and a direct cut in the busywork that comes with every new case.

Ready to get started? Sign up here to get started with NextChapter. Then, use this link to submit your Credit Report Integration application today.