Profit Simulator · Credit Technologies

Your operation

1 About your operation

Your volume, in four fields.

Your invoice is always based on what you actually order.

Business type

Loans closed a month

Credit reports a month

Credit spend a month

Used only to compare with what you pay today.

What we use this for

Your total monthly credit reporting bill, all vendors. We use it only to show what you would keep compared with today. It never affects or touches your pricing.

2 How you start a file

Soft first, or hard first?

Keep the thousands you now spend on files that never fund.

Credit costs on loans that close are almost always collected at closing. What you keep paying for is the files that never fund, which is why how you start a file, and which bureaus and scores you pull, matter most.

Soft first

Start with a soft pull that never affects the borrower's score and creates no trigger-lead risk. Pull more only when the file is going somewhere.

Lowest-cost startOne bureau, SoftQualify^℠, VantageScore. A fraction of a tri-merge.

Submission-ready startA SoftQualify Plus report with the score you need, trended data includedi. Start with one bureau and add the others to the same report as the loan moves forward. Where your investors accept soft-pull reports, submit the merged report to DU or LPA. SoftQualify Plus includes trended data, which Fannie Mae, Freddie Mac and most lenders require when a report is submitted for pricing or underwriting.

Familiar startSoft first, then a full hard report before closing.

Hard first

Pull a hard report from the first touch, on one, two or three bureaus. Three bureaus is the familiar tri-merge on every file.

The agencies are moving to two-bureau files, and single-bureau files are under discussion. The engine already prices both.

Scores

Applies to Inclusive, Exclusive, SoftQualify+ and Closed Loan Pricing. VantageScore-only prices appear with your unlocked pricing.

Prequalifying without GSE or lender submission? Standard SoftQualify without trended data is available; we set that up with you at onboarding.

3 Your pricing model

Three pricing models, each built for a different workflow.

On any program, a borrower can order their own prequal from anywhere, even their REALTOR®'s website. Your cost to start that file, including the Closed Loan Pricing up-front fee, is zero.

Each program shows its out-of-pocket cost per closed loan after verification.

What this could be worth to you

Lower costs

More revenue

About two in three files we rescore reach a better pricing tier. Your borrower gets the better rate, and you get the deal.

What you're about to unlock

Significantly more than a price list.

Behind the verification: your pricing for every program at your volumes. The Inclusive and Exclusive bundles price per file, in Individual and Flat form. Closed Loan Pricing is priced by outcome, per closed loan: a small prequal fee up front and a closing fee, both billed when ordered, with the closing fee refunded in full on any loan that doesn't close, and with SmartPay, borrowers cover the prequal fee where permitted, taking your out-of-pocket before closing to zero.

Plus your full profit report with a 12-month projection, live tuning of every setting with prices that move as you adjust, and your personalized Portfolio, including the complete service schedule with full ancillary product pricing, ready for your whole team to evaluate.

Projected added profit, per year

—

In plain terms: new profit from about — recovered closings a month, plus what you stop paying out of pocket. Tune every assumption after you unlock.

ROI: your return on investment

—

returned for every dollar you invest in credit reporting with us

Includes — in recovered closing profit and — you stop paying out of pocket.

Figures above are projections on industry-typical assumptions you can tune after you unlock.

Verify below to see the pricing that gets you there.

4 See your pricing

Verify once to see the prices behind these numbers.

You get all three programs priced at your volume, your exact return and a Portfolio for your team.

Your name

Company

Work email

Mobile

We email your code now, then follow up with your pricing and ideas for your volume. Unsubscribe any time.

Verified · prices live as you tune

Your pricing, unlocked

Your return

added profit a year

ROI: return on every dollar you spend on credit

closings a month recovered

your out-of-pocket cost per closed loan

Your pricing

Three models, priced at your volume.

How you start a file

Price per report, by how you start.

Method, bureaus and scores

Keep the thousands you now spend on files that never fund.

How this is figured

Score Express^℠

About two in three files we rescore reach a better pricing tier. Your borrower gets the better rate, and you get the deal.

Assumes you already rescore with another provider. If you don't rescore today, expect more.

How this is figured

Borrower-ordered starts

Where a borrower orders their own prequal, your cost to start that file is zero.

Share of prequals your borrowers order themselves

How this works

Federal rules (TRID, 12 CFR 1026.19(e)(2)(i)) allow a bona fide and reasonable credit report fee before the Loan Estimate; it is the one fee allowed up front. Some states add disclosure, actual-cost or fund-handling rules. The borrower pays us directly and authorizes the pull in writing first, so you never hold the funds. Read our guide to collecting credit report fees up front.

Referral partners · optional

Give each REALTOR® partner a way to order credit from their own site, and gain a steady source of new borrowers.

Estimate it with your own partner count and lead assumptions. Kept separate from your return.

✓ Your pricing, unlocked Live · updates as you tune

Tune your program. Watch every price move. Live

Your prequal fee, program options, and loan-quality check (LQI) all recompute the prices above in real time. Nothing locks until your application, and your account executive can customize further.