Credit Score Optimization Suite

Qualify More Consumers with our Credit Score Optimization Suite

Xactus’ score optimization suite gives your team access to the latest online tools and our credit score experts.

Build the Modern Mortgage Experience with Scoring Technology That Aids Consumers

Our scoring tools help you qualify more consumers and put them on the path to homeownership.

Obtain Access to the CreditXpert® Suite of Scoring Tools

A few credit score points can sometimes make the difference between an applicant being approved or denied for a mortgage. Make sure your applicant has the best chances of qualifying. Analyze credit report data pertinent to your applicant’s credit report:

Credit Assure™ – Automatically scan credit files and see potential score improvement right on your screen.

Credit Radar™ – Obtain a credit report cover page that allows you to view forecasted mid-scores and spot critical issues before reviewing the actual credit report.

CreditXpert® Wayfinder™ – A credit score analysis tool that makes it easier for your applicants to reach their optimal credit scores, which can make all the difference for consumers in the current mortgage market. You can quickly and easily generate a detailed analysis of the applicant’s credit score and develop a plan to share with them.

Utilize the What-If Simulator – Simulate changes to the applicant’s credit file and predict the score that may result from those changes. You can experiment with applying for credit, making payments, opening or closing account, transferring balances, and more.

Benefit from Xactus’ Credit Reporting & Score Knowledge

Sometimes you need to go beyond automated credit scoring tools and obtain input from an expert. Xactus’ exclusive credit score consulting service and our highest-tier scoring tool program can give consumers the highest probability of a successful rescore. Whether you are targeting a specific product, lender, or rate tier for your applicant, our experienced credit experts will provide you with a customized strategy and recommendations that you can share with consumers to help them qualify for a mortgage.

Benefits include:

• In-depth analysis of your applicant’s credit situation prepared by our experienced credit experts
• Evaluation of how various financial decisions may impact your applicant’s credit score and timeline
• Recommendations that you can share with your applicant for achieving the highest probability for a successful rescore
• A planned set of actions for you to give your applicant to enable a healthier financial future

Get Updated Credit Information Fast

When you need to have a credit score/report updated, forward the supporting documents to our Rescore Department. Our specialists can help you obtain updated credit bureau files to repull credit within as little as three to four business days. Once you have the consumer’s verifiable document from the creditor, Xactus can help you:

• Remove derogatory information and accounts that were reported in error
• Update an account that has been paid in full and closed
• Update the status of a collection
• Update a balance or paid-in-full status
• Update an account to show that it was included in a bankruptcy

Note: Xactus credit analysis experts work exclusively with loan officers and do not have direct contact with consumers. The loan officers communicate plans to consumers. The What-If Simulator does not change your applicants’ credit scores or the information in their credit reports; it only simulates a range of actions that could possibly take place.