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How To Use CreditXpert

In today's tighter lending environment, the more tools you have to help you close your loans, the better. CreditXpert's tools are fully automated, easy to use and can help get your borrowers to the score they need quickly.

Getting Started

  • Once you've logged into the Avantus system, search for your report using the Report ID, Name or Social Security Number of the borrower.

Search for credit report

  • In the search results, choose Open to view your report.

  • From the report summary screen, notice that under each bureau's credit score is the possible credit score improvement. This number is automatically determined by CreditXpert's intelligent credit analysis tool, Credit Assure.

  • Credit Assure has proven to be highly predictive of score improvement in most cases, but the exact number isn't guaranteed.

  • In order to achieve the score improvements returned by Credit Assure, you must follow the instructions returned when you order Wayfinder or What-If.

Which Product Do I Order?

You may only need to order one CreditXpert product on one bureau score to get the mid-score result you need, but you always have the option to run any CreditXpert products for any of the bureaus you have requested, for either Borrower or Co-Borrower.

Here are some tips:

  • Order Wayfinder to receive specific instructions as to how the borrower might raise the score. For example, you tell your customer that they need 10 points to qualify for a better rate. Borrower asks: "What specifically do I need to do to increase my score?"

  • Order What-If if you want to create your own specific scenario, or to see results based upon actions already taken by the consumer. For example, Borrower asks: "Can I improve my credit score if I pay down my Visa account or provide proof that I was never late on my mortgage?"

Example 1: Wayfinder

Our first example shows how a Borrower with a 615 mid-score might attain a 620 mid-score from TransUnion based Credit Assure's score improvement prediction.

Order CreditXpert in the Avantus system

Click on the Order link below TransUnion, then select the 620+ buttion in Wayfinder.

CreditXpert Wayfinder Score Target

Results will be provided as shown below:

CreditXpert Wayfinder Score Targeting Result

Click on the See Details button to display the actions required:

CreditXpert Wayfinder Score Target Details

Hopefully, you have achieved your credit score improvement goal and are ready to review the results with your consumer.

Our next example will show you how you can target a specific score:

  • Specific Score Targeting with Wayfinder


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