Data accuracy first
Every product starts with clean, accurate credit data — the foundation of any analytical result.
Credit Analytical Software since 2002
The intelligence layer behind smarter credit decisions.
CredLogix, Inc. is a credit analytical software company — creators of Point Deduction Technology® and the development team behind ScoreNavigator®, Mortgage Action Plan™, and Target Score Simulator®.
Your Score
672 ↑ on track
Point Deduction Technology®
Per‐item score impact analysis
The engine trusted to power
Who is CredLogix
A US‐based software company specializing in credit & financial products.
Since 2002, CredLogix, Inc. has built impactful, industry‐specific software for the credit and financial sector. We focus on the data behind the score — because if your credit data isn’t accurate, your score never will be.
As the development arm behind ScoreNavigator®, we license our credit‐file intelligence as a core, royalty‐based service — turning proprietary analytics into recurring value.
Work with usScores that rise
With the right focus on data and reporting, credit scores improve naturally over time.
Built to be affordable
Tools that bridge the gap between credit data and understanding — accessible to everyone.
Proprietary Technology
Point Deduction Technology®
Credit scores range from 300 to 850 — leaving up to 550 points in play. Our software recognizes the factors used in credit scoring and assigns a point‐deduction value to every item on a credit report.
Analyze the data
We read the full credit file and evaluate each tradeline against the factors that drive scoring — not just the headline number.
Assign point values
Each item receives a deduction value from 0 to 100+ depending on account type, separating short‐term from long‐term impact.
Recommend the path
The analysis posts clear recommendations to recover the points needed — an actionable roadmap, not guesswork.
What we build
Software that turns credit data into decisions.
ScoreNavigator®
Flagship productThe mortgage credit platform powered by CredLogix — one place for CRAs, loan officers, and consumers to analyze credit files, run simulators, and follow guided steps to mortgage readiness.
Visit ScoreNavigator®Point Deduction Technology®
Our trademarked engine that reveals exactly how many points each account is costing you — and where points can be recovered — across bureau data.
Learn moreMortgage Action Plan™
A personalized roadmap with specific steps and dollar amounts that helps borrowers reach mortgage readiness with confidence.
View the planTarget Score Simulator®
Set a target credit score and let the simulator map out the exact steps — account by account — needed to get there.
Try the simulatorA full suite of credit & financial software.
Beyond our flagship analytics, CredLogix designs and delivers the tools credit professionals rely on every day.
- Point Deduction Technology®
- Target Score, Money & SmartScore simulators
- Customizable credit‐management CRMs
- Credit report reseller CRMs
- Credit data APIs delivered via XML / JSON
- Credit Education systems & financial literacy tools
One platform, three audiences
Software that connects the entire credit journey.
Our software brings credit reporting agencies, mortgage companies, and consumers together in a single secure platform — with guided collaboration from first pull to mortgage readiness.
Credit Reporting Agencies
White‐labeled analytics and reseller CRMs, powered by direct bureau integrations with TransUnion, Equifax, and Experian.
Mortgage Companies & Loan Officers
A Mortgage Action Plan™ for every borrower — specific steps and dollar amounts that move applicants toward approval.
Consumers
A complete financial and credit education system with Point Deduction Technology® and easy‐to‐follow action steps.
Built for the way people work
Great analytics with real solutions — on any screen.
Responsive by design, our software delivers the same clear, actionable credit intelligence across desktop, laptop, tablet, and mobile — so partners and consumers stay in sync wherever they are.
- Real‐time dashboards & alerts
- Secure portal access & collaboration
- Detailed reporting and exports
Our expertise
Real engineering. Real credit‐industry experience.
Two decades of building credit and financial software — shipped fast, on time, and bug‐free. Unlike many shops, we have real‐world experience in the credit industry, so we get it right the first time.
Credit Analytics
Proprietary engines that translate raw credit data into clear, actionable scoring insight.
Data Accuracy
Built for accuracy, scale, and reporting performance — the foundation of every result we deliver.
Bureau Integrations
Direct, secure connections to the major credit bureaus for real‐time, dependable data.
Secure Platform
Privacy and security controls engineered into every layer of the software we ship.
Responsive Design
Every system is built to work beautifully across desktop, tablet, and mobile.
Documentation
Clear documentation anyone can understand, delivered with every product we build.
Our mission