Credit Report Simulator

Upload a client credit report for structured analysis, program recommendation, and lender-readiness prioritization.

Drag & drop a credit report PDF, or click to browse Consumer self-pull (MyScoreIQ, IdentityIQ, SmartCredit…) or lender tri-merge.

Client information

Submitted by (optional — who is sending this client)

Choose a PDF to begin.

Reading report & scoring against the Lender Ready rubric…

Large reports can take up to a minute — please keep this page open.

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Bureau scores

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300PoorFairGood850

What the AI read

Balances owed

Negative items & public records

Recommended program

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What-if — prioritize the points

Check what you'd action first. Estimated score lift updates live. Sorted by biggest likely impact.

Est. score lift

+0 to +0 pts

Projected middle score

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Projected negative items

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Projected program

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Estimates only — ranges, not guaranteed point changes. Actual movement depends on the full file and each bureau's model. Pair with a rapid-rescore engine for exact projections.

Confirm the recommendation, or override it based on what you know about the client.

✓

Sent to Lender Ready Network

Point ranges are AI estimates, not credit-bureau guarantees. Final program is always confirmed by the lender before onboarding.