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Outage in MeridianLink

Mortgage Credit Link (MCL) Issue, also Impacting other MeridianLink Products

Resolved Minor
September 27, 2025 - Started 7 months ago - Lasted 1 day
Official incident page

Incident Report

We are currently experiencing a service interruption impacting a subset of credit report service ordering and downstream applications. Customers may experience degraded service while we work to diagnose the issue. Our team is working tirelessly to resolve this as soon as possible and will provide additional updates as available.

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Latest Updates ( sorted recent to last )
RESOLVED 7 months ago - at 09/29/2025 12:15AM

All service interruptions have been resolved, and services are now fully operational. We will continue to monitor to ensure there are no further interruptions and that services remain stable.

Please repull the following services for all applications that may have encountered an error since 5pm PT on 9/25:

MeridianLink Consumer: Credit Reports*, Verification of Employment & Income from Equifax The Work Number, and Flood Zone Determinations and AVMs in the Settlement Tool.
*New credit reports will need to be ordered. In Modern Experience, users must check the box labeled “Reorder a credit report, ignore reuse period”. In Classic Experience, users must check the box labeled “Force New Request”.

MeridianLink Mortgage: Credit Reports, Verification of Employment & Income and Assets & Deposits, Flood orders, 4506-C, and Undisclosed Debt Notifications.

OpenClose: Credit Reports

TazWorks: Credit Reports

For Mortgage Credit Link, please repull all services.

We are available to assist you via the support portal as needed.

MONITORING 7 months ago - at 09/28/2025 11:55PM

We are continuing to monitor for any further issues.

MONITORING 7 months ago - at 09/28/2025 12:49PM

All service interruptions have been resolved and services are now fully operational. Our team has worked diligently to implement a solution and will continue to monitor the system to ensure our services remain stable.

Please repull the following services for all applications that may have encountered an error since 5pm PT on 9/25:
MeridianLink Consumer: Credit Reports*, Verification of Employment & Income from Equifax The Work Number, and Flood Zone Determinations and AVMs in the Settlement Tool.
*New credit reports will need to be ordered. In Modern Experience, users must check the box labeled “Reorder a credit report, ignore reuse period”. In Classic Experience, users must check the box labeled “Force New Request”.
MeridianLink Mortgage: Credit Reports, Verification of Employment & Income and Assets & Deposits, Flood orders, 4506-C, and Undisclosed Debt Notifications.
OpenClose: Credit Reports
TazWorks: Credit Reports
For Mortgage Credit Link, please repull all services.

We appreciate your patience and understanding. As always, thank you for your continued partnership.

IDENTIFIED 7 months ago - at 09/28/2025 12:40PM

All service interruptions have been resolved and services are now fully operational. Our team has worked diligently to implement a solution and will continue to monitor the system to ensure our services remain stable.

Please repull the following services for all applications that may have encountered an error since 5pm PT on 9/25:
MeridianLink Consumer: Credit Reports*, Verification of Employment & Income from Equifax The Work Number, and Flood Zone Determinations and AVMs in the Settlement Tool.
*New credit reports will need to be ordered. In Modern Experience, users must check the box labeled “Reorder a credit report, ignore reuse period”. In Classic Experience, users must check the box labeled “Force New Request”.
MeridianLink Mortgage: Credit Reports, Verification of Employment & Income and Assets & Deposits, Flood orders, 4506-C, and Undisclosed Debt Notifications.
For Mortgage Credit Link, please repull all services.

We appreciate your patience and understanding. As always, thank you for your continued partnership.

IDENTIFIED 7 months ago - at 09/28/2025 07:20AM

Quality is our highest priority, and we want to ensure that the issue is remedied. Therefore, we are continuing to work on the issue to reach resolution. We are focused on restoration, and our teams have been working throughout the night to resolve the interruption. We appreciate your continued patience. We expect to provide an update by 4:00am PT.

IDENTIFIED 7 months ago - at 09/28/2025 05:27AM

Our internal testing is still ongoing and working toward resolution is our top priority. We are working diligently to resolve the disruption and we will provide our next update at 12:30am PT.

IDENTIFIED 7 months ago - at 09/28/2025 03:39AM

We are continuing to perform internal testing to reach resolution. This remains our top priority and teams are working to resolve the interruption as quickly as possible. Again, we recognize the disruption to your business, and we appreciate your patience. We will provide our next update at 10:30pm PT.

IDENTIFIED 7 months ago - at 09/28/2025 01:17AM

We have identified a potential solution and are currently performing internal testing. This continues to be our top priority and we have MeridianLink engineers working to resolve the interruption. As always, thank you for your partnership. We expect to have an update once the testing is complete.

INVESTIGATING 7 months ago - at 09/28/2025 12:02AM

We remain fully committed to resolving the ongoing service disruption. We understand the effect this may have on your organization, and addressing it continues to be our top priority. Our team is available to support you through the support portal, and we’ll keep you informed with updates as they are available.

INVESTIGATING 7 months ago - at 09/27/2025 10:34PM

Our team is continuing to focus our efforts on remediating the service interruption. Please know that we understand there is impact to your organization and working to resolution is our top priority. We continue to be available to support you via the support portal and will continue to provide updates as they are available.

INVESTIGATING 7 months ago - at 09/27/2025 09:30PM

We are continuing to prioritize remediating the credit service report interruption and are working toward a resolution as soon as possible. We understand there is impact to your organization and appreciate your patience as we work to resolution. Our team is available to support you via the support portal and will continue to provide updates as they are available.

INVESTIGATING 7 months ago - at 09/27/2025 07:31PM

We are currently experiencing a service interruption impacting a subset of credit report service ordering and downstream applications. Customers may experience degraded service while we work to diagnose the issue. Our team is working tirelessly to resolve this as soon as possible and will provide additional updates as available.

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