Sheri’s client was eager to purchase a property, but her credit score was too low to qualify for a loan due to outstanding student loans and derogatory medical debt. Using CreditXpert® What-If Simulator™, Sheri discovered that deleting the medical debt and reversing the derogatory information on the student loans would significantly increase the credit score.…

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We love seeing the amazing ways mortgage loan originators use our tools to make clients’ homeownership dreams a reality. In fact, we’re gathering examples to use in Super User spotlights, case studies and more. Do you have an outstanding success story that demonstrates how utilizing CreditXpert’s solutions made a big impact on a client outcome? If so, we want…

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Warren Alcorn Uses CreditXpert® What-If Simulator™ to Help Get Client to Underwriting Approval Warren had a client with an initial middle FICO score of 575 looking to buy his first home. Warren knew at least a 580 was needed for minimal FHA eligibility, and even higher for potential automated underwriting approval. But “good enough” just wouldn’t…

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Scott met with a couple hoping to buy their first house together. With a mid-score of 717, they had all they needed to secure a loan. But Scott almost lost the deal when a competitor offered a similar rate but with slightly lower closing costs. Using CreditXpert® software, Scott built a credit improvement plan that required…

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Sean Bunevich, Union Savings Bank

Sean’s customer wanted to refinance her FHA loan to avoid paying PMI. But her credit score wasn’t as high as she expected, so her refinancing plan no longer made sense. Before breaking the bad news, Sean took a closer look at her credit report and discovered an old $80.00 collection fee. He used CreditXpert® What-if Simulator™ and learned…

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