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The credit optimization platform that helps you close more loans
Quick Start
Built for Brokers and Originators with fewer than 20 professionals.
$28 per plan
- Up to 20 user seats
- Seamless connection to credit reports
- Full platform access
- Access to training videos + support
Mid-Size
Built for lenders with a state or regional footprint.
Custom
- Everything from Quick Start, plus:
- Unlimited user seats
- Always on connection that delivers real time insights
- Dedicated client success manager
- Custom pricing
Enterprise
Designed for national lenders that operate at scale.
Unlimited Users
- Everything from Mid-Size, plus:
- Monthly business and analytics review
- Dedicated onboarding, training and enablement coordinator
- Advanced custom pricing options
Real Estate Pros
A new way to find mortgage professionals that use CreditXpert.
Get Started
- Free search tool exclusively for Real Estate Pros
- Thousands of mortgage professionals nation-wide
- See if your mortgage partners are using CreditXpert
Use by the nation's top mortgage lenders.
Frequently Asked Questions
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We are actively working with all major credit reporting agencies.
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No, CreditXpert is not a credit repair company. The Credit Repair Organizations Act and state credit services organization laws defines a “credit repair organization” as an individual or company who performs services in return for payment from a consumer to improve any customer credit record, credit history or credit rating or provides advice to any customer regarding these activities. This is usually in the form of a consumer paying a fee to initiate a bureau dispute in hopes for an improved credit score.
CreditXpert does not sell, provide, or perform these services for the consumer. CreditXpert’s predictive credit score insight platform helps lenders identify an applicant’s near-term credit score potential, generate detailed improvement plans that they can share with their borrowers.
CreditXpert bases its predictions and develops detailed improvement plans on the analysis of nearly 1 billion credit inquiries over a 20+ year timeframe.
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No! While our predictive insights have helped hundreds of thousands of people realize the dream of homeownership, today’s most innovative mortgage lenders are using CreditXpert on EVERY borrower. For those that can already qualify for a mortgage, a higher credit score can help borrowers qualify for a better loan program, secure a lower interest rate, reduce private mortgage insurance, and bring more transparency to the mortgage application process.
From an originator’s perspective, CreditXpert can help you reduce credit fallout from your pipeline and close loans by offering the most competitive rates and terms. Originators that help their borrowers improve their credit score may also benefit from lower Loan Level Pricing Adjustment premiums. Learn more here.
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No! While some originators do have dedicated credit teams that work in tandem with mortgage loan officers, the new platform was designed to make it easy for anyone to use.
Our predictive engine does all the work for you . . .
- Automatically identifies a borrower’s credit potential at the time credit is pulled
- Optimizes improvement plans across all three bureaus
- Makes generating alternative plans for alternative target scores, timeframes, actions and cash on hand as easy as a couple clicks
- Helps ensure that borrowers complete their plans on time and makes it easy for you to track progress and follow up
But the best way to experience the power of the new CreditXpert platform is to see it in action. Click here to schedule a demo or watch on-demand.
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A “credit report” is defined as a 1, 2 or 3 bureau credit inquiry for an individual.