CreditXpert Tools

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The tools you need to get the loans closed!

CreditXpert® helps you take control of your borrower’s credit so you can qualify more of your loans and save your borrower money.

CreditXpert Credit Analyzer – Essentials™

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Instantly analyze and optimize credit. Featuring consumer-friendly content and the most personalized insights available, CreditXpert Essentials™ determines the best actions to take in order to maximize an applicant’s credit scores, so you know what to look for and what to do.

Get the best bang for your buck

Use CreditXpert Essentials to find the most cost-effective way to achieve a particular score increase or the maximum score increase for a given amount of cash.

Know the score

CreditXpert Essentials provides a detailed analysis that breaks down an applicant’s credit and identifies the top positive and negative factors, as well as their related tradelines. Armed with this information, you can focus on what is important and avoid disrupting what is already working.

Tell it like it is

Included are the definitive, easy-to-understand explanations that CreditXpert Inc. pioneered and refined in the consumer credit information industry, so you can quickly and accurately communicate with applicants.

CreditXpert What-if Simulator™

creditxpert whatif - CIC CreditEliminate the guesswork. The most powerful credit score simulator, CreditXpert What-If Simulator™ includes predefined scenarios for ease of use and custom scenarios for full flexibility. Use the CreditXpert What-If Simulator to make informed decisions and uncover new opportunities.

Look before you leap

CreditXpert What-If Simulator lets you see what is likely to happen before you take action. Use its predictive capabilities instead of relying on speculation, intuition, or luck.

Get answers

Use CreditXpert What-If Simulator to safely test your options. Simulate combinations of your own actions and those identified by CreditXpert Detective™ and CreditXpert Essentials™. Find out if you can raise an applicant’s score enough to qualify for an approval or a better rate, so you can make compelling offers and leave your competitors in the dust.

Choose your destiny

CreditXpert What-If Simulator adapts to your needs. Use the rapid rescore mode to mirror the actions available in rapid rescoring services.

CreditXpert Detective™

credit xpert detectivesmall - CIC CreditAutomatically identify opportunities to improve credit scores by updating incorrect, missing, and outdated information. CreditXpert Detective instantly provides key insights so you can effortlessly scan every file and capture opportunities.

Take a Closer Look CreditXpert Detective finds potential updates – even the ones that you may overlook. By scrutinizing the data within a particular credit report and comparing it against credit reports from the other bureaus, you can rest assured that no stone is left unturned.

Give Yourself a Break

Thanks to its embedded expert knowledge and analytical sophistication, CreditXpert Detective does the heavy lifting for you so you don’t have to examine every last detail of an applicant’s credit files. And if an applicant wants to independently file a dispute, you can generate a personalized sample consumer dispute letter to make sure they have the right information.

Just the Way You Like It

CreditXpert Detective is flexible and works the way you want: use it to find all potential updates or just as many updates as you need to raise the score a specified amount. Choose rapid rescore mode or planning mode (includes the impact of 30 days passing) to tailor results to your situation.

Credit Assure™ – Ultimate Credit Score Predictive Tool

creditassure - CIC CreditIntroducing the first service that automatically scans credit files for opportunities to raise credit scores based on accuracy or credit management updates. Intelligent, automatic and easy, Credit Assure™ inspects every file so you don’t have to.

Now You’re the Expert

Credit Assure alerts you to opportunities and how big they are, so you don’t miss out. Running in the background, scanning all your files, and utilizing proven CreditXpert® optimization and simulation technology, Credit Assure automatically presents findings on every file. You don’t need to know anything about credit scoring or spend time scouring credit reports—Credit Assure gives you the answers.

Take the Best Steps

Could your applicant’s score go up if they managed their credit better? Credit Assure will tell you if paying down debt, transferring balances, or opening new accounts can make a difference. Since every credit profile is different, the advanced technology of Credit Assure eliminates the guesswork of what to do.

To find out more call 800-352-5882 or email