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Close more loans.
Big returns from big data.
The only mortgage credit simulation platform that helps applicants from every credit band identify potential opportunities to secure the best rates and terms.
Used by the Nation's top mortgage lenders
Our proprietary algorithms have analyzed more than 750 million credit records. This eliminates guesswork and keeps your focus on finding potential opportunities for applicants to secure the best rates and terms.
Change the game with the CreditXpert platform
The next generation of credit potential is here.
Make better offers. Close more loans.
We’ve worked with innovative lenders to build a platform that utilizes credit to qualify more applicants, make better offers and close more loans. CreditXpert helps you increase transparency and help ensure that EVERY applicant has the opportunity to qualify for the best rate and terms.
See instant Alerts on score potential.
Wondering if you are offering applicants the best rates and terms? Eliminate the guesswork. Quickly see the improvement potential for each bureau. Chances are Credit Assure is already there in your credit reports.
Create Automated Plans with one click.
Moving quickly with applicants is important. After training our algorithms against more than 750M credit reports, we know the fastest route to a target mid-score. With the click of a button, you’ll have an actionable plan within seconds.
Model any scenario with our Simulation Engine.
You now have access to the same simulation engine used by the Nation’s largest mortgage originators. Immediately see how increasing/decreasing balances, deleting accounts, closing accounts and more may impact an applicants’ score. You can even model scenarios over an extended period of time.
Not just for exceptions. Compete for every loan, regardless of credit band.
Position applicants for the best rates and terms. CreditXpert helps you eliminate guesswork, and reduce surprises at underwriting.
Maximize the credit potential in every borrower.
CreditXpert quickly shows your clients a path to the best rates and terms for a mortgage or refinance.
Instantly see the improvement potential in every applicant.
Quickly see what it will take to improve the mid-score.
Easily share detailed improvement plans with applicants.
Help avoid surprises at underwriting.
See where to find the CreditXpert platform.
Ready to dive in?
CreditXpert is offered through most credit report providers. Whether you purchase credit products from one or more providers, we’ll show you the easiest way to access our platform. Our client success team is also here to give you a tour and answer your questions.
See how others are using our platform.
Equity Mortgage Lending
Ken met with a client whose credit appeared to be exceptional. With interest rates at historic lows, the client wanted to refinance their mortgage. When Ken pulled his client’s credit score, they were both perplexed that it was 699 – relatively low given their overall credit standing. The client couldn’t figure out the reason their score wasn’t higher.
HomeBridge Financial Services
Mark’s client needed to raise her credit score from 590 to 640 – just 50 points – to have a chance for an FHA loan. Most of her debt was due to credit card balances. Mark used CreditXpert® What-If Simulator™ to look for ways to pay down the debt that wouldn’t require a lot of funds.
Rod’s client was eager to secure a loan for a vacation home. When Rod pulled the credit report, he noticed that the score was 698 – 18 points less than what his client saw on a free credit score site.
Latest Credit Insights
The world of consumer credit scores can be complex and confusing. Understanding the credit scores basics, and the different types of credit scores, is an essential personal finance skill that starts with knowing you may have four or more scores. They’re all different!
On May 1 DTI joins the list of LLPA characteristics, so it becomes especially important to offer credit score improvement to all borrowers whose debt-to-income ratio is 40% or greater. Credit score improvement won’t reduce debt-to-income. It could, however, help off-set the DTI premium for these borrowers. We know that a Credit First strategy, where credit score improvement, is offered to every eligible borrower, is a true hidden winner, one that will enhance every lender’s bottom line as well as help offer borrowers a better, more competitive rate. The math is simple. So is credit score improvement thanks to CreditXpert’s time-tested, data-centric approach.
CreditXpert, the predictive credit score platform that helps mortgage lenders extend better, more compelling financing options to every applicant, is proud to announce that NOVA Home Loans is the first lender to go live with its new enterprise platform. CreditXpert's latest offering will help lenders boost efficiency with AI, quickly compare improvement plans, track applicant progress, and manage usage through a cloud-based dashboard.