FICO® Score Mortgage Simulator​

Smarter Credit Insights for Mortgage Success

Credit Technologies is pleased to offer the FICO® Score Mortgage Simulator—a powerful tool designed to help mortgage professionals better understand how changes to a borrower’s credit profile could impact their FICO® Scores used in mortgage lending.

With this unique resource, you can explore potential credit scenarios and provide your clients with actionable insights that may open the door to more loan options, better rates, and improved approval outcomes.

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How It Works

The FICO® Score Mortgage Simulator allows you to run “what-if” credit scenarios by applying simulated changes to a borrower’s credit report data. These simulations estimate how different actions—such as paying down balances or correcting errors—might affect the borrower’s FICO® Scores.

You can run simulations on data from one, two, or all three credit bureaus, giving you the flexibility to match each client’s needs and lending requirements. The simulator is also accessible through our SoftQualify service.

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Why It Matters

When you understand the potential impact of credit changes before they happen, you can help borrowers make informed decisions about their next steps.

This Insight Can:

  • Improve client confidence in the mortgage process
  • Provide a clear roadmap for boosting scores before application
  • Support faster, smoother loan approvals
  • Create opportunities for more favorable loan terms

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Built by the Experts Who Created the FICO® Score

Developed by FICO’s own analytic scientists, the Mortgage Simulator is the only tool of its kind that uses the actual FICO® Score algorithms applied in mortgage decision-making. That means you and your borrowers can trust the results to be as accurate and relevant as possible.

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The Benefits for Everyone Involved

The FICO® Score Mortgage Simulator doesn’t just help borrowers—it improves the experience for loan officers, and lenders too. More accurate score projections mean fewer surprises, more successful closings, and stronger borrower relationships.

Check out some of our other beneficial services:

softqualify outline

SoftQualify

Save Thousands in Credit Reporting costs AND Get free file reviews from our credit experts.

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Credit Insight

Credit Insight

In about 20 minutes, you’ll learn how we can help you close more loans.
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Availability

The FICO® Score Mortgage Simulator is currently available to Credit Technologies’ clients. To learn more, contact SalesSupport@CreditTechnologies.com  today or complete and submit the form below.