CIS CreditXPert Solutions

Credit AnalyzerCapture more business with a full suite of scoring tools!
  • Turn declines into approves!
  • Offer better terms, winning competitive show-downs!
  • Build relationships resulting in repeat business & increasing referrals.
Immediately uncover the best, most accurate score for every applicant! You'll receive easy-to-follow, customized action plans for your applicant, with the flexibility to adjust the plan to maximize results. CIS offers several scoring tools, including:

Credit Assure™:  

identifies score potential points, by bureau, with every credit file!

Credit Analyzer™:  

 reveals the most impactful, cost-effective actions to achieve score improvement, with the ability to use the applicant's cash funds to achieve even higher score results!
View a tutorial on Credit Analyzer.

What-If Simulator™:  

 predicts the score impact from numerous scenarios, allowing you to manipulate any account, payment status, balance, utilization level, debt consolidation, new account type and adjust time-frames to those best-suited for your applicant! CIS released the latest enhancements to What-If Simulator, giving clients even more powerful score-simulation capabilities:
  • View the date a creditor last reported each tradeline & collection account. Use this information to decide which action plan to follow and when to re-pull credit, saving time & money!
  • Forecast the score impact of adding an authorized user credit card account.
  • View & continue working from a previous simulation, including the score forecast and associated account changes! Use this feature to compare score simulation results between bureaus and continue working on previously-run scenarios.

View a tutorial on What-If Simulator.


 simplifies Trended Data with a summary of revolving balance movement, payment patterns for revolving & installment accounts and a mid-score forecast.

Consistent use and follow-thru with scoring tools increases loan pipelines and closings, on average, 20-30% monthly! CIS delivers scoring tools on every file, or as needed.

Contact CIS for more information on CreditXPertTM scoring tools & customized action plans.

Access previously-run score simulations! The new What-If Simulator saves the last simulation completed for each bureau. Enhancements also reveal the date the creditor reports to the bureau!

Liens & judgments are no longer included in credit reports. Learn more about this change and how to obtain the public records.

Contact CIS for more information