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Already a customer of Avantus? Great. Click here to order your tri-merge credit reports.

Get 3 additional lender-approved credit scores instantly at the time of order

Because of the new program, I am in the middle of closing two deals that could have went south, thanks to you they are CLOSING!!! This has been a great selling tool. Awesome product, best scoring the first time around means another potential closed loan! Thanks again. --Lisa, Open Mortgage LLC”

How can alternative scoring models help me close more loans?
Alternative credit scores are calculated by bureau scoring model versions that are still active, but just not used as default models. Often these alternative bureau models yield higher scores and they are completely lender approved.

Advantage Credit has always offered the ability to re-score using alternative models, until now however, the credit had to be rescored after the initial credit pull, at a cost of $4.00 per borrower, per alternative score. With ScoreChoice, your borrower's credit will be automatically scored using the 3 default scoring models plus up to 3 alternative scoring models for only $0.50 per borrower, per alternative score ($1.50 single, $3.00 joint).

The results can be dramatic!

Alternative Credit Scoring Model Example

How do I order alternative scores with ScoreChoice?
Advantage Credit customers can simply send us an email and we'll set up ScoreChoice to run on every report (6 scores per borrower); or they can choose the ScoreChoice alternative scoring models ala carte when ordering credit reports on Advantage Online.

How many scores will I see with ScoreChoice?
In addition to the bureaus' 3 default scoring models you regularly see, with ScoreChoiceTM you can also see the Empirica 95, Empirica 98 and Fair Issac Model 1 scores.

Not an Advantage Credit customer?

Please allow us the opportunity to help you close more loans! Click here to go to our online signup, or give us a call at 800.600.2510.

We're here to help!


Note: This product is not available on Fannie Mae or Freddie Mac accounts. This product may not be reissued to Fannie Mae (DO/DU) or Freddie Mac ( through their automated underwriting systems. The requirements for score versions have been posted by both Fannie and Freddie to CRAs and to their end users. Deviation from these versions is not acceptable. (Beacon 5.0, Experian FICO v. 2.0, and TransUnion Classic 4.0)

ScoreChoice - Get 6 lender approved credit scores instead of 3 *Studies based on credit pulls from November 1st, 2008 through January 31st, 2009. Percentage reflects number of times the alternative scoring models from TransUnion, Empirica95 and Empirica98, were higher than TransUnion’s default scoring model, Empirica04.


Contact us to get all alternative credit scores on every report
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