Score
Optimization


Xactus’ score optimization, analytical, and rescoring products help streamline your workflow and maximize consumers’ loan offerings and approval potential
Score Optimization

Xactus’ score optimization, analytical, and rescoring products help streamline your workflow and maximize consumers’ loan offerings and approval potential.
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Score Optimization
Xactus’ score optimization, analytical, and rescoring products help streamline your workflow and maximize consumers’ loan offerings and approval potential.



Close More Mortgage Loans More Quickly with Effective Scoring Tools
Xactus’ comprehensive suite of score optimization products is designed to help your mortgage applicants maximize their credit potential. Our products enable a more streamlined application process so you can close more loans in less time.
Close More Mortgage Loans More Quickly with Effective Scoring Tools

Xactus’ comprehensive suite of score optimization products is designed to help your mortgage applicants maximize their credit potential. Our products enable a more streamlined application process so you can close more loans in less time.
Close More Mortgage Loans More Quickly with Effective Scoring Tools

Xactus’ comprehensive suite of score optimization products is designed to help your mortgage applicants maximize their credit potential. Our products enable a more streamlined application process so you can close more loans in less time.
Verification Solutions

Our suite of score optimization, analytical, and rescoring products help streamline your workflow and maximize consumers’ loan offerings and approval potential
Verification Solutions

Our suite of score optimization, analytical, and rescoring products help streamline your workflow and maximize consumers’ loan offerings and approval potential
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Xcel Score X
Rescore X

Pre-Qualification X


Pre-App X


StartMyApplication X


Credit Report X


Supplement X


QualifyMeNow X

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Automatically scan credit files & quickly identify potential improvement opportunities


Our technology automatically alerts you to potential updates in applicants’ credit reports. You’ll also see possible score improvement values right on your screen, below each credit bureau score. Plus, our innovative technology alerts you to areas to review, reducing the amount of time wasted scanning lengthy credit files for errors.

Automatically scan credit files & quickly identify potential improvement opportunities


Our technology automatically alerts you to potential updates in applicants’ credit reports. You’ll also see possible score improvement values right on your screen, below each credit bureau score. Plus, our innovative technology alerts you to areas to review, reducing the amount of time wasted scanning lengthy credit files for errors.
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Realize better outcomes with advanced analysis technologies


Xactus’ innovative score optimizing technologies enable you to:

  • Generate a detailed analysis of consumers’ credit scores quickly and easily.
  • Simulate changes to credit files and predict the credit scores that may result when those changes are implemented.
  • Automatically generate a consumer-friendly optimization plan to share with applicants.

Realize better outcomes with advanced analysis technologies


Xactus’ innovative score optimizing technologies enable you to:

  • Generate a detailed analysis of consumers’ credit scores quickly and easily.
  • Simulate changes to credit files and predict the credit scores that may result when those changes are implemented.
  • Automatically generate a consumer-friendly optimization plan to share with applicants.
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Dive deeper into consumers’ credit reports


Go beyond the technology with our experienced credit experts. The Xactus team relies on its vast industry knowledge to conduct a thorough review of your applicants’ credit reports and scores. We help you uncover creative solutions that traditional, digital scoring tools may not suggest, no matter what the consumer’s credit risk level.

Identify & capture loan deficiencies throughout the loan process

Our robust technology allows mortgage quality control checks to be incorporated into workflows at various stages of the loan process. In addition, use Fraud ReportX to perform audits and portfolio reviews after loans are funded.
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Reduce costs with our expert rescore review

Bureau rescore fees can be costly. Xactus’ credit experts will validate your rescore request prior to bureau submission to ensure the desired score result is achievable before you incur rescore costs.

Dive deeper into consumers’ credit reports


Go beyond the technology with our experienced credit experts. The Xactus team relies on its vast industry knowledge to conduct a thorough review of your applicants’ credit reports and scores. We help you uncover creative solutions that traditional, digital scoring tools may not suggest, no matter what the consumer’s credit risk level.

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Obtain rescore updates rapidly


Xactus’ credit experts work with Equifax, Experian, and TransUnion to quickly update credit information, typically within 3-5 business days. Rush options are also available for as fast as a one-day turnaround.

Obtain rescore updates rapidly


Xactus’ credit experts work with Equifax, Experian, and TransUnion to quickly update credit information, typically within 3-5 business days. Rush options are also available for as fast as a one-day turnaround.
Place more applicants on the path to homeownership. Start using our score optimization tools today!
Place more applicants on the path to homeownership. Start using our score optimization tools today!

Place more applicants on the path to homeownership. Start using our score optimization tools today!

More from our product suite

Credit
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Income &
Employment

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Fraud Detection & QC
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Property Solutions

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Data Solutions






Credit
Fraud Detection & QC

Income & Employment

Property Solutions

Data Solutions