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Higher credit scores. Better mortgage rates. Lower monthly payments.
This is not credit repair. CreditXpert tools were developed to help you get the best deal on your mortgage. Using sophisticated predictive analytics, our free tool will help you lower your monthly payments.
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With CreditXpert, 73%* of applicants experience a 20+ point increase in their credit score.
Join the homeowners who improved their credit scores within 30 days.
750M+
Credit reports analyzed & validated
900K+
Applicants raised their scores just last year
60K+
Mortgage professionals rely on CreditXpert
*Results are based on the most recent Credit Mortgage Potential Index and the improvement potential for applicants over the last 30 days.
Credit's Complicated. We're here to help.
How does my credit score impact my monthly mortgage payment?
A higher credit score can earn you a better interest rate and a lower monthly payment. Let’s say you have a $440,000 mortgage with a 10% down payment and a 30-year term. If you raised your credit score from 660 to 700, you could lower your monthly payment by $300.** And if you have to pay private mortgage insurance, a higher credit score could mean lower monthly payments too! (**These scores and rates are estimates/probabilities and not certainties).
Should I just start paying down my balances to optimize my credit?
No! If you don’t know what you’re doing, you could end up hurting your credit instead of helping it. And you might spend more money than necessary to raise your credit score. CreditXpert’s data-driven tool will provide you a precise, custom plan. You’ll receive detailed steps to raise your score—down to the specific dollar amount.
What’s the difference between credit repair, credit counseling and CreditXpert?
Credit repair and credit counseling are services performed by teams of people that provide guidance to consumers who need help with credit disputes or improving their money management skills. CreditXpert has developed sophisticated predictive analytics to help mortgage applicants achieve the highest credit score possible. Our tool generates custom plans with actionable steps to raise your score, such as paying off a loan, opening a new card, or requesting a balance increase.
How do I lock in my new credit score?
You’ll be connected with lenders that can create a custom improvement plan with using CreditXpert’s proprietary technology for lenders. The improvement plan will include the specific steps needed to reach your target score. All you have to do is complete the recommended steps. Are you already working with a lender? Send them your credit potential report and they can contact CreditXpert directly.
Get the best deal on your mortgage.
Our free tool makes good credit scores great. So you can go all out on your housewarming party.
As a lender, you have options when pre-qualifying borrowers for a mortgage. You can run a soft or hard credit pull. Soft credit pulls offer more benefits, increasing your chances of keeping the lead and saving you money. Sometimes a lot of money — depending the on the credit reporting agency, a soft credit pull could be just a quarter of the cost of a hard credit pull.
For credit unions focused on financial inclusion, helping more members achieve homeownership is both a mission and an opportunity. Yet 65% of mortgage applicants say they were never offered a chance to improve their credit before applying. CreditXpert changes that. Using predictive analytics trained on over a billion credit reports, CreditXpert identifies each member’s credit potential—the score they could realistically achieve in just 30 days. Whether helping borderline borrowers qualify or lowering rates for well-qualified members, CreditXpert delivers real results. Credit unions can boost approvals, reduce loan costs, and build lifelong member relationships through credit optimization.
A Home Equity Line of Credit (HELOC) offers homeowners flexible access to funds using their home's equity as collateral. Unlike a home equity loan which provides a lump sum, a HELOC works like a credit card with a draw period (typically 10 years) where you can borrow and repay repeatedly, paying interest only on what you use.
Mortgage lending and credit can be complicated. That’s why we worked to simplify the benefits of Credit Optimization into easy to understand “plays.” Think of these plays as strategies you can deploy across your prospect pool that can help you convert more leads, qualify more borrowers, build deeper relationships, close more loans and even improve margins.