Creditxp Products

Automated Dispute System

The core of Creditxp is the automated dispute system used as a technology convenience for your prospective customers, evaluating applicants for credit or insurance and managing existing credit accounts.
Web-based credit disputing automated system service that enables brick-and-mortar financial institutions, Internet financing marketplaces and Web-based retailers to offer immediate credit solutions to consumers and small businesses at the point of contact.
Consulting services include advising clients on how to develop and implement sound analytic solutions, providing expert analysis of model development and assisting with successful implementation on disputing capability within your company/business for greater effectiveness and increasing your bottom line.
With the need to ensure the maximum availability and reliability of your network and security infrastructure it offers a range of support services including: Your organization chooses between three affordable software licensing options. All three options encompass the full range of features and functionality offered by the Creditxp System Software.

Integrated Barcode Fax (Electronic File Folder)

Document retrieval system designed to send and receive documents via the web, email, and fax to be stored in a specific electronic folder designed to hold a clients documents needed for processing a file.
System automatically assigns each electronic folder a file number allowing you to track individual files and store the entire incoming document for access in a PDF, or TIF format. Files can be saved, emailed, printed or drag and dropped into other formats.
Each file generates its own specific barcode data matrix image that will be used by everyone faxing into the electronic file folder. Consumers, lenders, associates and many others maybe assigned access to individual electronic file folders keeping you in compliance of secure information.

Pricing Matrix

Assign your own matrix and guidelines. The pricing matrix allows you to be in compliance with the new FACTA and RESPA guidelines that require an entity offering credit to disclose interest rates, pricing and cost by setting your own criteria based on the uploaded credit reports. Set your matrix criteria according to the lender you are currently using as well as your disclosed rates. Include the automated underwriting criteria of FHA, FNMA, and other GSE guidelines. Set only the loan programs you offer and allow consumers to review required conditions for a specific loan assisting you in obtaining the documents needed for underwriting.

Credit Evaluation Engine

Upload from over 80 different credit reports to evaluate a consumers credit. System algorithms give the probability of improving a consumers credit determined by the derogatory items on the report. The algorithms are set on previous history of disputed files giving a grade and level of the consumers credit, allowing the consumer to view the calculated finding for free by logging into a secure account.