Close more loans.
Spend less getting there.
Credit Technologies serves 15,000+ mortgage professionals with tri-merge reports, zero-upfront SmartPay billing, soft-pull prequalification, and the rescoring team that invented rapid rescoring.
Membership approved in 3 to 5 business days. No volume minimums.
See what your branch is leaving on the table.
While others focus on selling the cheapest credit report, our success metric has always been how many more loans our clients close. Answer a few questions about your file volume and mix. The simulator prices your reports, applies SmartPay so nothing is due until closing, adds soft-pull prequal savings, and publishes your return on every credit dollar you spend. Then it walks you straight into pricing and the membership application.
Behind the math: the average rescored file gains roughly 31 points across its rescore transactions, enough to clear a full conventional pricing tier and frequently two, and the ROI line shows your return on every credit dollar spent.
Run your numbers12 loan officers · 42 files per month · conventional-heavy mix
Illustrative example for review. Production figures come from the simulator engine using your inputs.
Every report, one membership.
Built only for mortgage. Priced to be measured.
Credit Reporting
Tri-merge reports, supplements, and updates delivered inside the systems you already use.
Explore credit reporting →SmartPay
Stop fronting credit report costs. SmartPay defers report billing until closing, so your branch stops financing every file.
How SmartPay works →SoftQualify℠
Soft-pull prequalification that costs 70% less than a tri-merge and never wakes trigger leads.
See SoftQualify →Score Express℠
Rapid rescoring from the team that invented it in 1997. Average 23.9-point gain in 72 hours, 24-hour rush available.
Rescue a file →FICO® Score Simulator + Tools
What-if scoring available on every file. Model score moves with FICO® simulation and ScoreNavigator action tools, priced a la carte.
Open the simulator →Flood, AVM and Ancillary
Flood certification, AVMs, undisclosed debt monitoring, and verification services under the same roof.
Ancillary services →Understanding the score comes first.
The first step in improving any buyer's FICO® score is understanding why they have the score they have. That is why every Score Express℠ request is reviewed by a scoring analyst before any action is taken, many with close to 20 years of experience. It is a big part of the industry-leading 23.9-point average improvement per touch. And on any borderline file, you can request a free analyst review before deciding whether to rescore at all.
- Request a free file review on any borrower, any time, no charge
- Every rescore request is analyst-reviewed before any action is taken
- Findings arrive with the specific corrections and projected gain, then you choose: 72-hour standard, 24-hour rush
Switching is the easy part.
Apply online
Complete the membership application. Approval in 3 to 5 business days.
Connect your LOS
We integrate with 80+ loan origination systems. Your workflow does not change.
Order same day
Pull your first report the day you are approved, with live support from 8:30AM to 8PM ET.
Trusted where it counts: on the file.
Beyond amazing! I've worked with Christine for as long as I can remember, and she has always been extremely helpful and responsive. Cannot thank her enough for all she does to help me close loans.
Great service and great people to work with. Usually get credit supplements in as little as an hour and no more than one day!
Ordered a credit supplement for a mortgage on Friday and it completed by midday Monday. Great job and it is appreciated. Thank you.
I have had great experiences with Credit Technologies, but I want to highlight Neilia specifically! She is always willing to help me learn the ins and outs of credit reporting and has gone to great lengths to help me find solutions.
Absolutely love Credit Technologies! Before I heard about them, I tried a few other credit companies, and none were as good. Buddy, my company rep, is truly amazing: trustful, professional and knowledgeable.
Denise was wonderful in helping my client raise her credit score. She was quick, clever and kind. Amy is always available and quick to answer questions and provide assistance. We appreciate you all so much!
Ready to close more loans and cut costs?
Run the Profit Simulator, see your branch's number, and walk straight into pricing and membership. Two minutes, no call required.
See Your ROI in 2 Minutes