The only mortgage credit simulation platform that helps applicants from every credit band identify potential opportunities to secure the best rates and terms.
Access the CreditXpert platform
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 applicants to secure the best rates and terms.
+750M
Credit reports analyzed and validated
900K
Applicants helped just
last year
67%
Of applicants could reach
a higher mid-score
Maximize the credit
potential in every borrower.
CreditSim quickly shows your clients a path to the
best rates and terms for a mortgage or refinance.
Instantly see the improvement potential in every applicant.
Quickly see what it will take to improve the mid-score.
Easily share detailed improvement plans with applicants.
Help avoid surprises at underwriting.
Not just for exceptions. Compete for every loan, regardless of credit band.
Position applicants for the best rates and terms. CreditSim helps you eliminate guesswork, and reduce surprises at underwriting.
67% could move up at least one band
Qualify for a home
Better rates + terms
Change the game with the CreditSim® platform
See instant Alerts on score potential.
Credit Assure™
Wondering if you are offering applicants the best rates and terms? Eliminate the guesswork. Quickly see the improvement potential for each bureau. Chances are Credit Assure is already there in your credit reports.
XPN TU EFX
Current 631 632 632
Postential +56 +35 +39
We forund a way
To reach 687 or righer
Using : $ 1,016 total*
Cancel : 2 accounts
Finish : 1 month
Create Automated Plans with one click.
Wayfinder™
Moving quickly with applicants is important. After training our algorithms against more than 750M credit reports, 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™
Wondering if you are offering applicants the best rates and terms? Eliminate the guesswork. Quickly see the improvement potential for each bureau. Chances are Credit Assure is already there in your credit reports.
See where to find the CreditSim platform.
Ready to dive in?
CreditSim 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.
See how others are using our platform.
Ken Venick, 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.
100+ Point Increase on Credit Score
Mark Vejack, 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.
50 Point Increase on Credit Score
Rod Flowers, 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.
18 Point Increase on Credit Score
Latest Credit Insights
CreditSim recently fielded a major study of borrowers that recently purchased or refinanced a home. The study uncovered new insights into how consumers think about their credit, the mortgage origination process, and opportunities for improvements.
CreditSim, the mortgage credit score improvement platform, has released a new guide for mortgage lenders that highlights a new strategy for winning more purchase money mortgage business.
Matt Hydrew, CreditSim VP of Sales, shares insights and a product demonstration of CreditXpert Wayfinder on HousingWire Virtual Demo Day hosted for mortgage originators on Thursday, September 2, 2021.
Start closing more loans.
Get access to the platform used by the Nation’s largest mortgage originators.