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Higher credit scores. Better mortgage rates. Lower monthly payments.
This is not credit repair. CreditXpert tools were developed to help you get the best deal on your mortgage. Using sophisticated predictive analytics, our free tool will help you lower your monthly payments.
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With CreditXpert, 73%* of applicants experience a 20+ point increase in their credit score.
Join the homeowners who improved their credit scores within 30 days.
750M+
Credit reports analyzed & validated
900K+
Applicants raised their scores just last year
60K+
Mortgage professionals rely on CreditXpert
*Results are based on the most recent Credit Mortgage Potential Index and the improvement potential for applicants over the last 30 days.
Credit's Complicated. We're here to help.
How does my credit score impact my monthly mortgage payment?
A higher credit score can earn you a better interest rate and a lower monthly payment. Let’s say you have a $440,000 mortgage with a 10% down payment and a 30-year term. If you raised your credit score from 660 to 700, you could lower your monthly payment by $300.** And if you have to pay private mortgage insurance, a higher credit score could mean lower monthly payments too! (**These scores and rates are estimates/probabilities and not certainties).
Should I just start paying down my balances to optimize my credit?
No! If you don’t know what you’re doing, you could end up hurting your credit instead of helping it. And you might spend more money than necessary to raise your credit score. CreditXpert’s data-driven tool will provide you a precise, custom plan. You’ll receive detailed steps to raise your score—down to the specific dollar amount.
What’s the difference between credit repair, credit counseling and CreditXpert?
Credit repair and credit counseling are services performed by teams of people that provide guidance to consumers who need help with credit disputes or improving their money management skills. CreditXpert has developed sophisticated predictive analytics to help mortgage applicants achieve the highest credit score possible. Our tool generates custom plans with actionable steps to raise your score, such as paying off a loan, opening a new card, or requesting a balance increase.
How do I lock in my new credit score?
You’ll be connected with lenders that can create a custom improvement plan with using CreditXpert’s proprietary technology for lenders. The improvement plan will include the specific steps needed to reach your target score. All you have to do is complete the recommended steps. Are you already working with a lender? Send them your credit potential report and they can contact CreditXpert directly.
Get the best deal on your mortgage.
Our free tool makes good credit scores great. So you can go all out on your housewarming party.
As a lender, you have options when pre-qualifying borrowers for a mortgage. You can run a soft or hard credit pull. Soft credit pulls offer more benefits, increasing your chances of keeping the lead and saving you money. Sometimes a lot of money — depending the on the credit reporting agency, a soft credit pull could be just a quarter of the cost of a hard credit pull.
Unlocking the American Dream of homeownership is within reach, and understanding the ins and outs of mortgage qualification is key to securing the future. With over two decades of experience, CreditXpert has been revolutionizing the way lenders assess mortgage applicants’ creditworthiness, creating opportunities for more individuals to achieve their homeownership goals. This comprehensive guide also delves into the fundamentals, including the 3 C’s of mortgage lending and the crucial components of a credit score.
CreditXpert analyzes millions of mortgage credit inquiries each month. We use our proprietary predictive analytics engine to help thousands of mortgage loan originators highlight the potential score increase their applicants may be able to achieve within 30 days by completing a custom action plan.
CreditXpert analyzes millions of mortgage credit inquiries each month. We use our proprietary predictive analytics engine to help thousands of mortgage loan originators highlight the potential score increase their applicants may be able to achieve within 30 days by completing a custom action plan.