The all new credit optimization platform that helps you close more loans

The following credit report providers support the CreditXpert platform, and we are actively working with others to establish connections.

Advantage Credit, Advantage Plus Credit, Birchwood Credit Services, Certified Credit Reporting, Cisco Credit, CoreLogic Credco, Funding Suite (Covius), Credit Technology, Credit Technologies, Equifax (Coming Soon), Factual Data (Coming Soon), Informative Research (Coming Soon), KCB Credit, Lender’s One, Merchants Credit Bureau, Partners Credit, SettlementOne, Xactus

More coming soon!

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.

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.

No! If you are currently using CreditXpert products like Credit Assure, Wayfinder and What If Simulator, you are accessing these tools through your credit report provider. While the new platform is powered by credit data supplied by credit report providers, you can only access the new platform directly from CreditXpert. The good news is that you are in the right place – get started today!

To begin with, the new platform brings the power of CreditXpert’s tools into a single platform. That means that when you log into the new platform you will automatically see the credit potential for all borrowers and generating improvement plans is as easy as clicking a couple of buttons.

When it comes to generating improvement plans, the new platform is more powerful than ever. To begin with, our predictive engine optimizes against all three bureau scores – helping you quickly find a mid-score and building the most efficient and highest likelihood route to a target score. The CreditXpert predictive analytics engine crunches countless scenarios for you and delivers a precise plan in seconds.

We’ve also added the ability for originators to communicate improvement plans with their borrowers through a secure platform. As borrowers complete steps, you’ll see how they are progressing, and automated email follow-up keeps them moving against your timeline.

And the new platform is cloud-based which means that updates and improvements are pushed regularly – ensuring that you have the tools you need to turn credit into a strategic growth engine.

We’re just scratching the surface here. Click here to see some of the new features. 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.

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.

A “credit report” is defined as a 1, 2 or 3 bureau credit inquiry for an individual.