ScoreNavigator ®

Get Detailed Credit Report Analysis and Valuable Insights

We are excited to announce the launch of ScoreNavigator’s Mortgage Action Plan™ (MAP) and Simulators, a cutting-edge credit management platform designed specifically for mortgage professionals. This cutting-edge resource offers in-depth credit report analysis and insights into the factors impacting borrowers’ credit scores, providing a comprehensive approach to credit management.

With advanced tools and tailored recommendations, the MAP and Simulators empower borrowers to efficiently reach their target scores, adopt smarter financial habits, and build long-term credit stability. By optimizing credit readiness, these tools help borrowers prepare for significant financial milestones like homeownership with confidence.

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Overview

Mortgage Action Plan (MAP)

The Mortgage Action Plan™ (MAP) serves as an essential resource for strengthening borrower credit health through comprehensive credit report analysis, including credit scores, point deductions, and a detailed list of tradelines. MAP highlights where most errors occur and offers an actionable strategy with tailored recommendations on how to properly manage open/revolving accounts, when to have credit pulled, and more.

For mortgage professionals, MAP is invaluable in guiding borrowers toward the credit profiles required for lending opportunities. With targeted insights and a clear plan for credit enhancement, MAP empowers borrowers to confidently pursue homeownership while streamlining mortgage transactions. This proactive approach not only elevates borrower success rates but also fosters a credit-savvy client base, reinforcing sound lending practices.

Simulators

MAP State-of-the-Art Simulators​

The Target Score and Money Simulators offer powerful tools for providing borrowers with the best recommendations to reach their credit goals. The Target Score Simulator identifies the simplest and most effective steps to achieve your desired credit score, while the Money Simulator guides you in allocating funds strategically to regain lost credit points. Together, they provide a clear, actionable approach to managing your credit profile.

By following these simulators’ tailored suggestions, borrowers can see the estimated impact on their score, understand associated costs, identify their potential max score, and determine the optimal day to pull credit. This streamlined guidance empowers borrowers to achieve their credit goals with confidence, preparing them for future financial opportunities.

The SmartScore Simulator is a versatile tool designed to give borrowers a deeper understanding of how various credit actions can impact their scores. It allows users to test a range of adjustments, from changes to credit limits and balances to shifts in account status and the opening of new accounts. By providing insights into these potential scenarios, the simulator equips borrowers with a clear picture of possible outcomes.

Key Benefits

Key Benefits Lenders Experience with MAP

  • Efficient Pre-Approval
    Streamlines the mortgage qualification process
  • In-Depth Credit Analysis
    Identifies viable mortgage candidates quickly
  • Increased Productivity
    Saves time, allowing focus on personalized borrower service
  • Higher Success Rates
    Boosts mortgage approval and borrower satisfaction
  • Stronger Reputation
    Enhances borrower experience and increases referrals
  • Sophisticated Algorithm
    Offers detailed, item-specific credit report analysis
  • Granular Insights
    Assigns point values to both positive and negative report items
  • Enhanced Transparency
    Clarifies the impact of each item on credit scores

Complement your ScoreNavigator Tools with Score Express

If you are ready to rescore a file and boost your borrower’s FICO scores by 23 points, choose Score Express and experience significant benefits:

  • Free, real-time file reviews by the most experienced credit analysts in the industry
  • Huge competitive advantage (typically an entire pricing tier improvement!) within 72 hours
  • Referral tools to help you attract more REALTOR® referrals
  • 30+ years of delivering more closed loans

Get Started

Yes! Give Me Access!​

Current Credit Technologies clients can get started now by choosing and completing the form below. After the form is submitted, a representative will contact you directly to begin the process.