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The CreditXpert Solution Suite enables you to capture every opportunity and maximize your borrowers’ credit potential. This product suite will help you grow your business as you identify more credit opportunities, determine cost-effective solutions and simulate scenarios for best results. Credit Assure™,
CreditXpert Essentials™ and CreditXpert What-If Simulator™ are products/trademarks of CreditXpert Inc. |
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Our intuitive system allows you to view the total amount being charged every time you place an order. The Order page will display the amount being charged per order/simulation/credit report. You can also ‘view billing’ from the ‘Report List’ page. |
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Absolutely. Your
History Page
and Order Page will keep a list of all credit reports purchased within a 30-day period. However, you will not be able to re-start a previous order or simulation. |
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Yes. If CreditXpert didn’t find any possible opportunities to improve the final credit score for your borrower, it will display “OK” under the “Possible Opportunities” column in the Credit Assure results screen. You’ll need to modify your scenario settings and try a different simulation accordingly. |
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Credit Assure is the first service that
automatically scans credit files for opportunities to raise credit scores based on accuracy or credit management updates. Credit Assure inspects every file so you don't have to. |
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This occurs when a credit bureau (s) is not able to provide valid consumer credit data to the system.
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Credit Assure automatically scans all of your credit reports. Results are conveniently listed on the
first page of your borrower’s credit report. |
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There are a couple of reasons this may be occurring:
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The Credit Assure product has been
turned off for your account by the Account Administrator or by the Credit Reporting Agency on behalf of the Account Admin.
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You may be viewing the credit report as “Text Format.”
Unfortunately, some LOS and AUS systems like DU only accept text formats.
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The LOS or AUS system you are using either does not support a PDF credit report format or the system is not requesting a PDF printed report format to be returned.
If any of these scenarios applies to you, visit our website, login with your approved customer username and password and direct your attention to the CreditXpert section on the left navigation menu. Click here to get started! |
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For maximum results, you may need to select scores on 2 bureaus to gain best mid-score.
New potential mid-score may be on a different bureau than current mid-score.
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You can add/subtract a credit bureau from your results by returning to the main Order Page. Keep in mind that you may need to select more than one (1) credit bureau in
order to obtain maximum comparative results. |
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Yes you can. The Administrative User for your account has the ability to grant, view, change access to the Credit Assure system by logging
in to the website. The Administrative User can also request for the product to be
turned-off by your Credit Reporting Agency. |
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Use
CreditXpert Essentials™ to identify the
best combinations of actions to take to
help maximize your borrowers’ credit scores.
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CreditXpert Essentials determines the
best actions to take to maximize a borrower's credit scores, so you know what to look for and what to do. |
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Use CreditXpert Essentials to find the most cost-effective way to achieve a particular
score increase
for your borrower, or the maximum score increase for a given amount of cash. |
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Immediate Mode is your default setting. It is used to view actions/results that may impact your borrower’s credit report in a short period of time. You’ll need to advise your borrower to follow actions as indicated. Pull new credit report within 3-7 days to see improvements once actions have been implemented.
Planning Mode is used to view long-term actions/results that may impact your borrower’s credit report. Use this mode for borrowers with enough credit points but wish to improve their score in the long-term. You’ll need to advise your borrower to follow actions as indicated. Pull a new credit report within 4-6 weeks to see improvements once actions have been implemented. |
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The
Summary Section displays your borrower’s potential credit score improvement along with a
list of actions that can potentially help your borrower raise his/her score.
Positive or
negative factors will be listed. Actions must be followed in the order shown to achieve specified potential new credit score. |
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The
Credit Analysis Section
provides details to help you understand how your borrower’s credit score can be improved. It also explains specific
critical factors
that may be affecting the current credit score/ borrower. |
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Try
CreditXpert
What-If Simulator™ to safely test
potential score impact by using custom scenarios before taking action. |
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CreditXpert What-If Simulator eliminates the guesswork, as it includes
predefined scenarios for ease of use and
custom scenarios for full flexibility. Use CreditXpert What-If Simulator to make informed decisions and uncover new opportunities. |
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This tool allows you to explore how various
actions may impact your borrower’s credit scores. You can experiment with applying for credit, making payments, opening or closing accounts, transferring balances and more in order to view possible
scenarios to achieve a better credit score. |
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CreditXpert What-If Simulator does not change your borrower’s credit score or the information in their credit report; it only simulates a range of
actions that your borrower could potentially take on his/her credit accounts. CreditXpert What-If Simulator returns a result instantly, so you can determine your borrower’s next step and take action immediately. |
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Yes, you’ll have a 30-day simulation period once a credit report has been purchased and
CreditXpert Essentials or CreditXpert What-If Simulator product has been ordered. The number of simulation days remaining can be found in the CreditXpert Essentials and/or What-If Simulator
Order Page by clicking “CreditXpert Orders” in the left navigation menu under “CreditXpert Tasks.” |
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Action Interface is your default setting and it mirrors the actions available in rapid rescoring services.
Scenario Interface uses Credit Essentials ‘Planning Mode’ for long-term results in your borrower’s credit score.
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Yes,
CreditXpert What-If Simulator includes
predefined scenarios for ease of use, which you can customize to your borrower’s needs for full flexibility. |
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Ask your borrower to take
actions exactly as presented.
To see potential score improvement, pull new credit report in
4-7 days when using Action Interface or in 4-6 weeks
when using Scenario Interface. |
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