Score
Improvement Tools

Grow your business by saying "yes" more often

I want solutions for:

Bring Out the Best in Your Applicants

Position borrowers to secure the best rates and terms possible with Certified Credit's suite of score improvement tools. Potentially save your prospects money by eliminating PMI and earn their loyalty for life!

FICO® Score Mortgage Simulator

The FICO® Score Mortgage Simulator is a powerful tool that helps mortgage professionals guide borrowers toward credit improvements and better loan options. By simulating real-world credit actions, such as paying down balances, removing collections, or improving delinquent accounts, it predicts the impact on FICO® Scores 2, 4, and 5, the versions most commonly used in mortgage underwriting. With this tool, lenders can:

Model "what-if" credit scenarios to support loan qualification
Provide personalized action plans that outline the most effective steps for score improvement
Enhance decision-making with data-driven credit insights
Improve loan approval odds by identifying actionable paths to meet eligibility requirements

Built by FICO’s own analytics team, the simulator is designed to evolve with new models like FICO® Score 10 T, making it a future-ready solution that helps lenders grow their pipeline while empowering borrowers.

CreditXpert*

CreditXpert's AI-powered platform enables mortgage lenders to optimize credit profiles and increase loan approvals by quickly identifying applicants' credit potential and generating tailored improvement plans. The platform automates tracking of applicant progress and uses proprietary algorithms to analyze credit records for underwriting insights. With tools for scaling credit optimization across organizations, CreditXpert helps lenders qualify more applicants, make competitive offers, and close more loans.

*This product is available exclusively through direct annual contracts with CreditXpert.

Rapid Rescore

Help your applicants secure a better rate or term by re-calculating the score based on improvements they make to their credit.

ScoreNavigator

ScoreNavigator's suite of innovative tools empowers mortgage lenders and borrowers with data-driven insights to optimize credit scores and improve loan qualification:

Mortgage Action Plan (M.A.P.)

The Mortgage Action Plan provides a targeted strategy to strengthen credit health, pinpointing critical areas for attention and offering a clear, actionable plan to help consumers achieve their financial goals.

Target Score Simulator

The Target Score Simulator provides the quickest and most economical way to reach a target score, along with the best day to pull credit to reflect the most updated changes.

Money Simulator

The Money Simulator identifies the best accounts to allocate funds to for the most positive impact on a credit score.

Manual Simulator

The Manual Score Simulator shows potential point gains or losses from specific actions and is highly effective for understanding credit score impacts.

TriChek Tri Merge

Move them one step closer to their dream

QwikChek is the go-to solution for prequalifying prospects in less time and for less money. Incorporating information from one, two or all three bureaus, this soft pull report helps you say yes with confidence and quickly turn leads into clients.

Offers Maximum Flexibility

Choose from a low-cost single bureau option or a two or three bureau merged file, all with no credit impact.

Boost Approval Rates

Instant results help you say yes faster and match your applicants to the loan option that's right for them.

Improves Efficiency

Hassle-free integration seamlessly incorporates the information into your existing LOS and workflow to speed the approval process.

Enhances Decision Making

Full bureau file gives you a complete picture of your prospective borrower's credit history, leading to better decisions and reduced risk.

Saves Time & Money

Pre-qualification enables you to affordably identify potential issues up front before the application process begins.

Reduces Fall Out

Eliminates triggers to help prevent you from losing potential borrowers to competitors.

Mortgage Only