FICO Score Mortgage Simulator
Boost Credit and Unlock New Opportunities with Confident Simulations
Empower your borrowers — and grow your business — with the FICO® Score Mortgage Simulator. By modeling different credit actions, you can guide clients to improve their scores, qualify for more loan options, and secure better rates, ultimately helping you close more deals and build stronger relationships.
Smarter Mortgage Decisions & Opportunities Start Here
The FICO® Score Mortgage Simulator is designed to simulate credit event scenarios and predict their impact on FICO® Scores, helping applicants improve their credit and qualify for better loan terms. By modeling changes like paying down balances or removing collections, the tool provides insights that enable more tailored advice and smarter decisions. With support for FICO® Score 2, FICO® Score 4, and FICO® Score 5, it’s the only simulator using FICO algorithms to offer accurate, real-world simulations for mortgage decisioning.
Future-Ready Technology
Built by FICO’s analytic scientists, the simulator is designed to evolve with new credit models, including future support for FICO® Score 10 T, ensuring long-term value and accuracy.
Personalized Action Plans
Generate customized plans that outline the most effective steps applicants can take to improve their credit profiles and qualify for better mortgage terms.
Enhanced Decision-Making
Gain insights to make smarter, data-driven decisions that open more loan options and improve access to competitive interest rates.
Improve Loan Approval Rates
Explore what-if scenarios to help increase the chances of finding solutions that help applicants meet qualification criteria and secure financing.
Comprehensive Scenario Testing
Simulate a wide range of credit events to understand their effects on FICO® Scores 2, 4, and 5 used in mortgage lending.
- Pay Down/Pay Off Balances
- Delete Third-Party Collections
- Upgrade Derogatory Tradeline to Paid
- Improve Status of Delinquent Account
- Remove Account Disputes
Additional Upcoming Simulation Scenarios
- Increase Account Balance
- Delete Accounts
- Remove Disputes From a Collection Account
- Simulate the Passage of Time
- Best Action — Personalized Action Plan
- Remove Historical Delinquencies
See How the FICO® Score Mortgage Simulator Can Transform Your Lending Decisions & Opportunities!
Maximize the full potential of your lending strategy — request a demo now or contact our sales team to start integrating the FICO® Score Mortgage Simulator and growing your business today!
More Than Just a Score
At Certified Credit, we deliver more than just a score. We provide industry-leading information and analytics with expertise and technology you can rely on to fuel your business.
- Credit Reports
- Fraud & Risk Mitigation
- Property
- Employment Screening
- Score Improvement Tools
- Third-Party Verifications
- Client Acquisition & Retention
- Tenant Screening
