Credit Score Analysis

Many applicants have credit scores that are artificially lower than they should be due to inaccurate information on their credit files. CreditXpert® helps you get to the real score, so you can make a more informed and appropriate decision.

CreditXpert provides specific, detailed actions your applicants should take – based on their unique credit DNA – to improve their credit.

Many lenders using CreditXpert as an integral part of their loan origination process are closing 30-percent more loans every month.

Why CreditXpert?

  • Approve more applicants – Salvage some declines by quickly identifying applicants who can raise their scores enough to qualify
  • Have more offers accepted – Make more compelling offers and build trusting relationships, so you can win more business
  • Unmask your applicants’ true scores – Find your applicants’ real scores, enabling you to make more informed and appropriate decisions
  • Save time – Receive automatic credit analysis and identification of opportunities to raise scores
  • Eliminate guesswork – Quickly explore options, communicate with applicants, and confidently take action with assistance from our helpful insights, predictions, and analysis

Credit Assure™

Automatically scans credit files for opportunities to raise credit scores based on accuracy or credit management updates. Intelligent, automatic and easy, Credit Assure™ inspects every file so you don't have to.

Essentials™

Instantly determines the best actions to take to maximize an applicant’s credit score by paying down debt, transferring balances, and opening or closing accounts.

What-If Simulator™

Allows you to easily explore how various actions, such as making payments, opening or closing accounts, and transferring balances may impact an applicant’s credit score.

Detective™

Automatically identify opportunities to improve credit scores by updating incorrect, missing, and outdated information. CreditXpert Detective instantly provides key insights so you can effortlessly scan every file and capture opportunities.