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The enterprise platform built to turn credit into a strategic growth engine.
Stop lead fallout and leaky lead pipeline with our predictive analytics engine. Identify precise credit score betterment potential, eliminate the guesswork and produce a highly accurate 30 day action plan to maximize their credit score opportunity.
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.
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.
Competitive markets call for innovative solutions.
Every applicant’s credit potential right in front of you.
With 73% of applicants able to increase their score by at least 20-points within 30 days, it’s important to have quick access to everyone’s potential. Our AI quickly identifies an applicant’s mid score and a single click will show you their potential and what it will take to get there.
Automatically generate and compare improvement plans in real time.
Savvy homebuyers move quickly to find the lender that is going to give them the most compelling offer. Our predictive analytics engine helps you see an applicant’s credit potential, specific improvement actions and the likelihood of them reaching a target score.
AI that helps you reduce errors and improve efficiency.
CreditXpert’s proprietary algorithms have analyzed nearly 1 billion credit records and can help identify underwriting blockers and pinpoint changes between credit pulls that may have impacted an applicant’s credit score.
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.
PrimeLending
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 New CreditXpert SaaS Platform Helps Originators Offer Credit Optimization to All — “We’re also seeing that today’s most sophisticated, borrower-forward originators are embracing CreditXpert’s new SaaS platform. CreditXpert is becoming a must have tool for those originators seeking a competitive advantage in this high-rate environment,” said Hemmer. “I am excited to announce that we are working with 10 of the top 15 mortgage originators and 100% of the top 20 independent mortgage banks.”
Demystify credit scores with the help of the new CreditXpert - know in seconds what opportunities you'll have to optimize credit.
When lenders offer to help borrowers optimize their credit and either qualify for a loan they otherwise would not have or get a better deal on a loan they were already qualified for, it builds trust and provides other emotional benefits that result in more business for the lender.
But that’s not all it does.