FICO® Score Mortgage Simulator
The FICO® Score Mortgage Simulator models FICO Scores 2, 4, and 5 using real FICO® algorithms — so you can run what-if scenarios and show borrowers a clear path to approval before committing to a full tri-merge report.
Developed by FICO's own analytic scientists, this is the only simulator using the actual FICO® Score algorithms applied in mortgage lending — giving results you and your borrowers can trust.
Model the impact of paying down balances, correcting errors, or adding tradelines — so you can build a clear action plan before submitting the loan.
Run simulations on Equifax, Experian, and TransUnion individually or together — matching each client's specific lending requirements.
The FICO® Score Mortgage Simulator is built into the SoftQualify℠ workflow — run scenarios during pre-qualification to identify improvement opportunities before running a hard pull.
Show borrowers exactly what steps will move their score before final application — reducing anxiety, building trust, and keeping deals on track.
More accurate score projections mean fewer last-minute deal-breakers, stronger borrower relationships, and a higher percentage of successful closings.
The FICO® Score Mortgage Simulator lets you test credit scenarios using real algorithms — so you can advise borrowers with confidence before pulling the full report.
The FICO® Score Mortgage Simulator shows you what's possible. Score Express™ makes it real. Together, they give your team the complete workflow — from modeling a borrower's score potential to delivering an average 23.9-point FICO® improvement in under 72 hours.
The FICO® Score Mortgage Simulator is available to Credit Technologies members.
The FICO® Score Mortgage Simulator is available to Credit Technologies members. Ask your CTI representative to activate it for your team today.