Why simulate before you rescore
A rapid rescore costs money, and the result is not guaranteed to move the score the way you expect. Without a credit simulation first, you're guessing. ISC's simulation tools show you the projected impact before any fees are spent.
Simulation provides estimated outcomes. ISC runs what-if scenarios against your borrower's actual credit file and shows you a projected point range for each action, so you can weigh the options before committing to a rescore.
Guessing what might work
Pay off Card A? Pay off Card B? Remove the collection? You're estimating based on general credit knowledge, and a wrong guess costs rescore fees with no score benefit.
A clearer picture
ISC models available options and ranks them by potential score outcomes. You see a projected score range before you act, so you can focus on the actions that may help the borrower move closer to the target score.
ScoreNavigator simulation and planning tools
ISC offers multiple mortgage score optimization options, including CreditXpert, ScoreNavigator, and the FICO Score Mortgage Simulator. The tools below are available through ScoreNavigator and provide different ways to evaluate potential credit scenarios.
Preview
Available through ScoreNavigator as part of ISC's supported score optimization workflow.
Map
Available through ScoreNavigator as an additional planning option within ISC's score optimization workflow.
Money and Target Simulator
Helps evaluate how available funds or selected credit scenarios may affect a borrower's projected score and progress toward a target score.
SmartScore Simulator
Tests selected what-if scenarios and shows projected score outcomes before action is taken. Results are estimates and are not guaranteed.
Credit simulation and current mortgage scoring models
ISC's current mortgage score simulation options are designed around Classic FICO mortgage score workflows. VantageScore 4.0 is currently available through a limited rollout to approved lenders, while FICO 10T remains approved for future lender use. Simulation availability may change as vendors update their platforms.
For files using Classic FICO, ISC can use the applicable simulation tool to estimate how eligible credit changes may affect the borrower's mortgage score. Simulation results are estimates and are not guaranteed.
How to access credit simulation through ISC
Credit simulation is available to ISC clients as part of ISC's credit consulting service. Contact your ISC support team to discuss:
- Which simulation type is most appropriate for your borrower's situation
- The cost and turnaround for the simulation
- How simulation results integrate with a rapid rescore execution plan
When a file may require a rapid rescore, a credit simulation can help compare potential options before bureau rescore fees are incurred. Simulation results are estimates, but they can provide useful guidance when deciding which documented changes may be worth pursuing.
Related ISC products
CreditXpert Score Simulation
ISC runs CreditXpert simulations for you, often in about 30 minutes, and helps explain the projected results.
Learn more → Execute the planRapid Rescore
Submit verified updates for bureau review in 1 to 5 business days. Results and timing not guaranteed.
Learn more → Supplement supportCredit Supplements
Update bureau tradelines as part of the rescore strategy.
Learn more → Updated reportTri-Merge Credit Reports
Order updated mortgage credit data when a new report is required after bureau processing.
Learn more →