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Model endless scenarios with the most powerful Simulation Engine.


What-If Simulator™
Our 20 years of analyzing more than 750M FICO credit scores and credit records make it easy for you to run endless scenarios and produce detailed improvement plans.
Combine your expertise with our analytics.
You work with applicants every day to help them qualify for their dream home. Our simulation engine gives you the flexibility you need to work scenarios with your applicants and produce plans you know will bring about the desired changes.
- Paydowns
- Add lines of credit
- Remove authorized users
- Decrease balances
- Close accounts
- New credit inquiries
- Disputes
- And more...


Model the impact of actions over time
Just as Rome wasn’t built in a day, some applicants will need more time to improve their credit score. Our Simulation Engine lets you model changes over several months or up to two years.


Share the plan with clients in one click.
Show applicants you are doing everything you can to position them for the best rates and terms. Collective changes are tracked and can be shared with applicants. CreditXpert makes it easy to share detailed improvement plans.


Latest Credit Insight
The world of consumer credit scores can be complex and confusing. Understanding the credit scores basics, and the different types of credit scores, is an essential personal finance skill that starts with knowing you may have four or more scores. They’re all different!