The browser you are using is not supported. Please consider using a modern browser.
The home of credit potential.
Bettering a client’s credit score helps them qualify for the most competitive rates and terms. Our predictive analytics engine identifies precise credit score betterment potential, eliminating the guesswork and producing a highly accurate 30 day action plan to maximize their credit score opportunity.
500
500
639
640
739
Not qualified
Qualified
Better rates + terms
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 clients to secure the best rates and terms.
+750M
Credit reports analyzed and validated
900K
Clients helped just last year
71%
Of clients could reach a higher mid-score
Maximize purchasing power for every client
See instant Alerts on score potential.
Credit Assure™
Wondering if your clients are qualifying for the best rates and terms? Eliminate the guesswork. Quickly see the credit score potential for each bureau. Chances are Credit Assure is already there in your lender’s credit reports.
Create Automated Plans with one click.
Wayfinder™
Moving quickly with clients is important. After training our algorithms against more than 750M credit inquiries, we know the fastest route to a target mid-score. With the click of a button, you’ll have an actionable plan within seconds.
Model any scenario with our Simulation Engine.
What-If Simulator™
You now have access to the same simulation engine used by the Nation’s largest mortgage originators. Immediately see how increasing/decreasing balances, deleting accounts, closing accounts and more may impact a clients’ score. You can even model scenarios over an extended period of time.
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
Boost CRA scores and grow mortgage lending in underserved LMI markets. Discover how CreditXpert’s compliance‑safe credit optimization turns borderline applicants into qualified borrowers—driving market share and CRA success.
Compliance leaders can improve CRA results fast. CreditXpert’s data‑driven, compliance‑safe credit optimization turns borderline applicants into qualified borrowers while enhancing Lending Test performance.
In the evolving mortgage market, keeping borrowers loyal while attracting top talent is tougher than ever. Rates alone won’t set you apart — success depends on a modern, reliable tech stack that delivers speed, personalization, and trust. Your tech stack isn’t just operational — it’s your competitive edge. By combining personalization, innovation, and transparency, lenders can increase retention, improve recruiting, and thrive in today’s market.