Never underestimate the power of a "What If Simulator"! We have had several files lately that were just under the minimum credit guidelines; some lenders stop when they don't have the FICO scores needed. We take it one step further for these clients. We order a What If Simulator through our credit reporting companies. The What If Simulator allows us to set up hypothetical scenarios such as if they pay off a certain amount of a debt, or pay off a car, etc...what potential score increase they may have. It is a very useful tool to have available. I ordered a What If Simulator for a client today, and with her paying down one card about $150, and a 2nd credit card about $80...she has a potential score change of 39 points! She only needed about 22 points to get to the minimum required scores so we just helped a client who other companies flat out turned down! She was sooooo excited and she is taking care of the two cards immediately. We will then order a Rapid Re-score which will take approx. 72 hours to process and then we will be able to update her credit with new scores. As you can imagine she was more than happy to pay the $230 total that was needed and now she is eligible for a home loan. If you don't have a lender who has this capability, find one because you need this tool available for your clients.