CONSUMER INFORMATION SOLUTIONS
CreditXpert Close more loans with easy-to-use credit analysis tools Key benefits ■■ Approve more applicants by
providing the credit quality information they need to better understand your offer ■■ Position your company as an
expert in the credit industry with credit score information that helps to facilitate specific and relevant dialogue with your applicants ■■ Save time and money by focusing
on the items that impact scores the most, such as the top negative and positive items that could impact an applicant’s score ■■ Offer your clients instant results
that help eliminate guesswork and determine a course of action with confidence ■■ Enhance your lender-applicant
relationship by offering new options, improving communication and increasing collaboration
Considering today’s mortgage market, you need to close as many of your mortgage loans as possible —as you cannot afford to leave any money on the table. CreditXpert Inc., an innovator in software technology for the lending community, provides the consumer credit tools you need to help you close more loans faster. You can now access these online tools through Equifax and take a more consultative approach to improve your applicants’ lending experience.
Notification > Investigation > Simulation Credit AssureTM, the newest service from CreditXpert, automatically scans your applicant’s credit files from each credit reporting agency and presents the key applicable credit education opportunities. Credit Assure runs in the background of your system, and when an improvement opportunity is found for an applicant, it directs you to CreditXpert Essentials. CreditXpert EssentialsTM is the only credit optimization tool available that combines definitive credit analysis and consumer-friendly content providing the most personalized and detailed insight available. The tool automatically determines the best actions your applicants should take to understand their credit. CreditXpert What-If SimulatorTM is the most powerful credit score simulator available. It analyzes an applicant’s credit data (by credit reporting agency) and allows you to see what could happen to an applicant’s credit under certain scenarios. e.g., paying down balances.
Fast, convenient access All CreditXpert® tools are available via the Equifax eMortgage website for loan origination support, providing: ■■ Current, reliable consumer credit data in single, dual and tri-merge formats ■■ “Plug-n-play” integration with leading LOS, AUS and POS systems ■■ Frontline defense to help protect against fraudulent transactions
Credit Assure Quickly view potential score-change opportunities on the applicant’s credit report.
CreditXpert Essentials Understand the critical factors that may impact the applicant’s score and find the least expensive way to potentially optimize it.
CreditXpert What-If Simulator Simulate a variety of changes, including paying down balances, and get instant results that eliminate guesswork.
Contact Us Today For more information, contact your Equifax sales representative or visit: www.equifax.com/mortgage
Copyright © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved. Equifax and EFX are registered trademarks of Equifax Inc. CreditXpert is a registered trademark of CreditXpert Inc. The CreditXpert Logo, CreditXpert Essentials, CreditXpert What-If Simulator and Credit Assure are trademarks of CreditXpert Inc.
