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Is Xactus Down?

FinTech & PaymentsLive status, outages, and incident history

No. Xactus is up right now.

Every monitored Xactus system is operational as of November 14, 2026. PulsAPI did not find an outage in its latest check of the official status feed.

OperationalChecked 3m agoLive · every 60s

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Official Xactus status page
How we know: the official Xactus status page, PulsAPI's own check (every 60 seconds), and outage reports from engineers. How PulsAPI monitoring works

Status report

Xactus Status Summary

As of 16:48 UTC on 14 November 2026, Xactus is operational. PulsAPI checked Xactus's official status page and found 19 of 19 components operational, with no active incidents. The latest incident, "Nationwide Microsoft Outage - Impacting Email / Teams", was on Nov 12, 2026 and lasted 19h 10m.

Cite as: PulsAPI, “Xactus status”, checked 14 November 2026, 16:48 UTC. https://www.pulsapi.com/services/xactus

Xactus Component Status

The main Xactus systems on this page. All 19 are operational right now.

19operational
Credit » Business ReportX
Operational
Credit » Credit - Equifax
Operational
Credit » Credit - Experian
Operational

16 more components tracked

Their status is in the bar above. Free accounts see every component by name.

Also tracking Credit » Credit - Transunion, Credit » Credit ReportX, Credit » Undisclosed DebtX, Identity » Fraud ReportX, Identity » Loan ShieldX, Identity » Social Security VerificationX, Income » Asset VerificationX, Income » Employment VerificationX, Income » Income CalculationX, Income » Tax TranscriptX, Platform & Access » API Platform, Platform & Access » Encompass Partner Connect, and 4 more.

See all of them free

Component statuses may change independently during partial outages.

Recent Xactus Outages & Incidents

Incident history from the official Xactus status page, including resolution updates.

Nationwide Microsoft Outage - Impacting Email / TeamsResolved Nov 12, 2026 · 19h 10mResolved

Microsoft has resolved the issue. We will continue to monitor. --- [2026-11-12T14:56:14.122-05:00] (investigating) Microsoft is currently experiencing a widespread outage with their cloud-based Email and Teams applications. This may impact the sending and receipt of email or Team messages. We continue to monitor.

Encompass Partner Connect (EPC) Credit – Order Submission IssueResolved Nov 11, 2026 · 44 minResolved

This incident has been resolved. --- [2026-11-11T13:17:32.138-05:00] (monitoring) A fix has been implemented and we are monitoring the results. --- [2026-11-11T12:41:33.533-05:00] (identified) We are aware of an issue affecting some Encompass Partner Connect (EPC) Credit users. The company field may appear blank and prevent orders from being submitted. We are working to resolve the issue and will provide updates as they become available. Thank you for your patience.

AccountChek Asset Verification Service DisruptionResolved Nov 10, 2026 · 66h 14mResolved

AccountChek asset verification ordering through Xactus has been restored. Customers can now place new orders normally, and existing AccountChek reports remain available. --- [2026-11-10T16:06:55.514-05:00] (identified) We are continuing to work on a fix for this issue. --- [2026-11-10T16:06:37.967-05:00] (identified) Customers cannot place new AccountChek asset verification orders through Xactus. Existing AccountChek reports are still available. Update We are working with AccountChek to restore service, but we do not yet have an estimated resolution time. We will provide another update when more information is available. Workaround Plaid through Xactus360 is available as an alternative. Please contact your Xactus Strategic Account Manager for help reviewing pricing, features, and setup.

Xactus Uptime History

Daily uptime recorded by PulsAPI over the last 90 days, with the days that carried a Xactus incident marked. Each day is measured from our own checks, so the record continues even when the vendor publishes nothing.

Uptime history3 days observed
Nov 12100.00% average · 2 days with incidentsNov 14

Live Xactus Outage Reports

Problems reported by engineers using Xactus. Reports often appear 10 to 20 minutes before the official status page moves, and stay on this page for 90 days.

Reports, last 24 hours0 total
24h agoNothing reportednow

No Xactus problems reported yet.

Something wrong with Xactus on your end?

Reports are anonymous, take about ten seconds, and help the next engineer who checks.

About Xactus

Is Xactus down? Its official status page at status.xactus.com reports on 19 components, including Business ReportX, Credit - Equifax and Credit - Experian. PulsAPI checks it every few minutes and can alert you when Xactus reports an incident.

Xactus Status FAQ

Is Xactus down right now?

The verdict at the top of this page comes from the latest poll of the official Xactus status feed and refreshes automatically, so you are not looking at a stale cached answer. PulsAPI re-checks it every 60 seconds.

What should I do if Xactus is not working?

Check the component list on this page first to see if your failure matches a known outage. If it does, you can report the issue for other engineers, follow the incident timeline for vendor updates, and run any fallback your app supports until Xactus recovers.

How do I check Xactus uptime history?

PulsAPI tracks Xactus uptime over 30, 60, and 90-day rolling windows. The current 30-day uptime is not published yet, because a 30-day figure needs 30 days of tracked history. The 90-day uptime strip on this page is public: no account needed. A free account adds alerts whenever Xactus changes state, plus 15 days of incident detail; Pro extends that to 90 days and Business to 13 months.

How fast does PulsAPI detect Xactus outages?

PulsAPI reads the official Xactus status page. PulsAPI re-checks it every 60 seconds. Alerts reach Slack, Discord, Microsoft Teams, PagerDuty, or email once a change has held for 5 minutes, so a one-minute blip does not page you.

Does PulsAPI track individual Xactus components?

Yes. PulsAPI monitors 19 individual Xactus components, so you can see which service or region is affected instead of a generic "service degraded" banner.

Can I get alerts when Xactus goes down?

Yes. Create a free account and subscribe to Xactus: the free plan covers three services with unlimited email alerts and no monthly notification cap. Paid plans lift the monitor limit entirely (Pro and above do not meter how many vendors you watch) and route the same alerts into Slack, Discord, Microsoft Teams, PagerDuty and webhooks.

How do I report an issue with Xactus to the community?

Click "Report an issue" at the top of this page, pick the issue type and severity, and optionally add your region and a short note. Reports are anonymous and help other engineers spot Xactus problems early. Official status pages often lag real incidents by 10 to 20 minutes.

Is there a free way to monitor Xactus?

Yes. The free plan covers 3 monitored services with unlimited email alerts, permanently, so Xactus plus two more costs nothing. Every new account also opens with a 30-day Business trial (unlimited monitors, Slack alerts, SLA reporting) with no credit card.

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