CreditXpert® Video Library
Access this portal regularly to find the latest educational videos to help you get the most from CreditXpert products.
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Xpert Insights
Did you ever wonder why the credit score is what it is? The negative factors can give you valuable insights. Our product support manager Rosa Mumm helps you decipher them in this “Xpert Insights” video.
| Thumbnail | Name | Description | Topic | Updated | product_hfilter | updated_year_hfilter | |
|---|---|---|---|---|---|---|---|
 | Xpert Insights: CreditXpert: Credit Score Improvement Explainer | What’s the difference between credit repair and credit score improvement? In this video, product support manager Rosa Mumm helps uncover the difference between dispute-based credit repair tactics, which are typically short-term, artificial inflations of the credit score, and CreditXpert’s specific, reputable credit management actions. It’s a two-minute video packed with information that will help any mortgage loan originator be able to clearly communicate and share with colleagues or borrowers why credit improvement is a better strategy than credit repair. | April 14, 2021 | 2021 | |||
 | Xpert Tip: Does coming out of forbearance impact the mortgage credit score? | Rosa Mumm, our product support manager, is asked quite frequently, “What’s going to happen to a borrowers mortgage credit score when a loan comes out of forbearance?” According to the MBA, there are 2.7 Million mortgages in forbearance as of January 31, 2021. As we shared in our Forbearance 101 blog post last year, there is no impact to the score by going into forbearance. Although the removal of the forbearance comment does not have an impact, there are other factors associated with balance-to-original loan amount for installment accounts that may impact the score. Get the latest insights from Rosa in this video and see how you can use CreditXpert® What-If SimulatorTM to review potential impact to your borrower’s score. | What-If Simulator™ | February 23, 2021 | what-if-simulator | 2021 | |
 | Product Tip: Uncommon actions to try in CreditXpert® What-If Simulator™ | Are you taking advantage of everything CreditXpert® What-If Simulator™ has to offer? In her latest Xpert Insights video, our product support manager Rosa Mumm reviews four uncommon – yet powerful – actions you can simulate in our most popular tool to help improve your client’s credit score. | What-If Simulator™ | December 4, 2020 | what-if-simulator | 2020 | |
 | Xpert Tip: CreditXpert What-If Simulator – All the actions you can simulate | Every mortgage lead is a loan you can close, even when credit is an issue for your borrower. Watch this video to see all the credit management actions you can simulate in CreditXpert® What-If Simulator™ for a potential way to reach your borrower's target mid-score. | What-If Simulator™ | October 30, 2020 | what-if-simulator | 2020 | |
 | Xpert Insights: When is the credit card balance going to be reported to the credit bureau? | There are many misconceptions about when a credit card balance is reported to the bureau. For example, do all accounts report at the same time each month? Watch our new video to learn how you can pinpoint the timing with CreditXpert What-If Simulator. | Credit Insights | October 6, 2020 | credit-insights | 2020 | |
 | Xpert Tip: Do Experian Boost records help a borrower’s mortgage score? | Due to the increased popularity of Experian’s Boost program, you have likely seen your share of self-reported utility records on your borrower’s credit reports. Your applicants may even be asking you, “Do these records help my score?” Rosa Mumm, our product support manager, shares insights on this question in her latest video. | Credit Insights | October 20, 2020 | credit-insights | 2020 | |
 | Xpert Insights: Can the passage of time hurt the credit score? | Rosa Mumm, our product support manager, demonstrates with CreditXpert® What-If Simulator™ why it's so important to simulate the impact of time based on when you plan to re-pull the credit report. | Credit Insights, What-If Simulator™ | October 9, 2020 | credit-insights what-if-simulator | 2020 | |
 | Xpert Insights: What does it take to have a mortgage credit score? | In our latest Xpert Insights video, Rosa Mumm shares what it takes to actually have a score in a mortgage credit report. | Credit Insights | September 10, 2020 | credit-insights | 2020 | |
 | Xpert Insights: How can the negative factors provide insights into the credit score? | Did you ever wonder why the credit score is what it is? The negative factors can give you valuable insights. Our product support manager Rosa Mumm helps you decipher them in our new “Xpert Insights” video. | Credit Insights | August 25, 2020 | credit-insights | 2020 | |
 | Xpert Insights: Are medical collection accounts treated differently? | Do medical collection accounts impact a homebuyer’s credit score differently than other collection accounts? Get the facts from Product Support Manager Rosa Mumm in our new “Xpert Insights” video. | Credit Insights | August 11, 2020 | credit-insights | 2020 | |
 | Xpert Insights: Score implications when paying off a charged-off account | How does paying off a charged-off account impact the credit score? It may be different than you think. Rosa Mumm sets the record straight in the latest Xpert Insights video. | Credit Insights | July 29, 2020 | credit-insights | 2020 | |
 | Xpert Insights: Revolving utilization: Is 50% really the magic number? | Is 50% really the magic number for revolving utilization? Product support manager Rosa Mumm reveals the best ways your clients can optimize revolving utilization for score improvement. | Credit Insights | August 3, 2020 | credit-insights | 2020 | |
 | Xpert Insights: Do authorized user accounts impact the score differently? | Do authorized user accounts impact the score differently? Find out in this video from our Product Support Manager Rosa Mumm. | Credit Insights | July 17, 2020 | credit-insights | 2020 | |
 | Xpert Insights: If an account is in dispute, is it considered by the credit score? | Fact or myth? If an account is in dispute, it isn't considered by the credit score. Our product support manager Rosa Mumm has the answer. | Credit Insights | July 13, 2020 | credit-insights | 2020 | |
 | Xpert Tip: What-If Simulator “Last Reported” feature helps when rescores take longer than usual | Are rescores taking longer than usual? Learn a potential workaround from Rosa Mumm, our product support manager. | Credit Insights, What-If Simulator™ | April 22, 2020 | credit-insights what-if-simulator | 2020 | |
 | Xpert Insights: Can it help to report rental history to the credit bureaus? | Does it help to report rental history to the credit bureaus? Find out in this video. | Credit Insights | June 25, 2020 | credit-insights | 2020 | |
 | Xpert Insights: How does forbearance impact the credit score? | Rosa Mumm, our product support manager at CreditXpert, shares insights on the impact of forbearance on the credit score. | Credit Insights | April 17, 2020 | credit-insights | 2020 | |
 | Xpert Insights: How do I explain the different credit scores to my clients? | How do I explain the different credit scores to my mortgage clients? | Credit Insights | May 21, 2020 | credit-insights | 2020 | |
 | Xpert Insights: Credit scorecards – What are they and why do they matter? | What is a credit scorecard? How does it affect your borrower's credit score? Find out in this video. | Credit Insights | June 19, 2020 | credit-insights | 2020 | |
| Xpert Insights: How do mortgage inquiries really impact the score? | How do mortgage inquiries impact the credit score? Find out in this video. | Credit Insights | May 27, 2020 | credit-insights | 2020 | |
 | Xpert Insights: Does the comment “Impacted by natural or declared disaster” impact the score? | You've seen the comment "Impacted by natural or declared disaster" on your borrowers' credit reports -- but how does that affect their score? | Credit Insights | May 8, 2020 | credit-insights | 2020 | |
 | Xpert Tips: When your borrower has no cash for an improvement plan | Borrowers can't always pay down debt to help improve their credit. Learn how to create a credit improvement plan that works. | Credit Insights | April 28, 2020 | credit-insights | 2020 | |
 | Xpert Insights: Using CreditXpert® What-If Simulator™ to navigate score requirement changes | Product Support Manager Rosa Mumm explains how focusing on external collections may help you reach a new target credit score. | What-If Simulator™ | April 20, 2020 | what-if-simulator | 2020 | |
 | Xpert Credit Process: Webinar 12/10/2019 | CreditXpert’s Dawn Werry and two mortgage industry experts will share their experiences using the expert credit process to drive revenues and profits. | Xpert Credit Process | December 10, 2019 | xpert-credit-process | 2019 | |
 | CreditXpert® Wayfinder™ – Xpert demo from Rosa | A CreditXpert Wayfinder demonstration from Rosa Mumm. | Wayfinder™ | November 27, 2019 | wayfinder | 2019 | |
 | CreditXpert® What-If Simulator™ – Fall 2019 Updates | CreditXpert® What-If Simulator™ puts the control in your hands. Learn more with this video. | What-If Simulator™ | October 15, 2019 | what-if-simulator | 2019 | |
 | Xpert Credit Process: Webinar 9/17/2019 | In this webinar replay, CreditXpert’s Tim McQuillan and author Ben Chenault discuss how a systematic process can close more loans. | Xpert Credit Process | September 17, 2019 | xpert-credit-process | 2019 | |
 | Xpert Credit Process Video | Link to a video that illustrates how the Xpert Credit Process can help increase pull-through rates and close more mortgage loans | Xpert Credit Process | May 21, 2019 | xpert-credit-process | 2019 | |
 | Wayfinder™ Demo Video | Link to a demo video that showcases how CreditXpert® Wayfinder™ works and how it can benefit lenders and their customers | Wayfinder™ | May 21, 2019 | wayfinder | 2019 |