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Solutions
Show applicants the best rates and terms with Automated Plans.
Wayfinder™
You don’t need to be an Xpert in all things credit to show your applicants that you’re positioning them to get the best rates and terms.
Know for certain
Closing mortgage loans is fast-paced and competitive. You likely don’t have time to become an expert in the nuances of credit – that’s where we come in. We show you the likelihood of achieving a target score.
Relax, we build detailed plans for you
Over the years our products have analyzed more than 750M FICO credit records. This means we know what actions are likely to drive the score improvements you are seeking for your clients. Our detailed plans help your clients identify changes that could save them thousands.
Share plans with clients in one click
Do applicants know you are doing everything you can to position them for the best rates and terms? Easily share score potential and detailed improvement plans with applicants.
Avoid underwriting surprises
The last thing you want is an unwelcome surprise at underwriting. We highlight actions that could impact an applicant’s score
Latest Credit Insight
For mortgage professionals, there's nothing more frustrating than turning away clients who don't qualify. They share promising stories about their credit history, income, and assets, but when the documents arrive, the numbers tell a different tale. The disconnect often stems from consumer-facing credit scores that paint an incomplete picture, failing to align with the strict requirements of mortgage credit scoring.
But what if these clients didn't have to walk away? What if there was a way to transform a "no" into a "not yet" and keep potential homebuyers in your pipeline? Credit optimization emerges as a game-changing solution, offering immediate, actionable steps to improve credit scores and qualify for mortgages.
The traditional approach of asking clients to try again in six months or suggesting they continue renting leaves both parties empty-handed. In contrast, credit optimization provides a structured path forward. An impressive 73% of borrowers can boost their credit score by 20 points or more in just 30 days using targeted optimization strategies. This isn't about overnight miracles—it's about leveraging data-driven insights to make strategic credit improvements.
For loan officers and real estate agents, credit optimization isn't just about helping clients—it's about building a stronger business. Better credit scores lead to lower interest rates, higher loan amounts, and more options for borrowers. For lenders, it means presenting lower-risk applicants to investors. For agents, it means keeping potential buyers in the pipeline instead of losing them to the rental market.
The beauty of credit optimization lies in its versatility. Whether working with someone who barely missed qualifying or a borrower seeking the best possible terms, the process can benefit anyone looking to maximize their borrowing potential while minimizing costs. In an industry where relationships matter, being the professional who helps clients achieve their homeownership dreams—rather than simply turning them away—creates lasting value for everyone involved.