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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 a data-first credit optimization for each borrower, eliminate the guesswork 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.
+750M
Credit reports analyzed and validated
900K
Applicants helped just last year
73%
Of applicants could reach a higher mid-score
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.
How to Access CreditXpert
Or start with a tour.
Request a Demo
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.
699
100+ Point Increase on Credit Score
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.
590
50 Point Increase on Credit Score
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.
698
18 Point Increase on Credit Score
Latest Credit Insights
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.