On Monday, Oct. 27, 2025, Fair Isaac Corporation announced the launch of its FICO® Score Mortgage Simulator, now available to mortgage professionals through Credit Interlink and its reseller partners. The simulator is the only FICO‑developed tool that models how changes in credit behavior affect the classic FICO Scores used in mortgage underwriting. It supports simulations on one, two or three credit bureaus and can model FICO Score 2, 4 and 5.
The partnership with Credit Interlink, a leading software services provider to the mortgage origination and underwriting industry, expands FICO’s reach into the mortgage origination pipeline. Shawn Jobe, vice president of Software and Product Development at Credit Interlink, said the integration "directly connects to the credit scores that matter most in mortgage decisions" and provides lenders with "transparent, trustworthy insights" that help borrowers achieve better loan terms. FICO’s own Geoff Smith highlighted that the simulator "helps more consumers responsibly qualify for mortgages and achieve homeownership" by giving lenders actionable, data‑driven credit insights.
By offering a best‑in‑class solution for evaluating credit scenarios, the simulator strengthens FICO’s position as the industry standard for credit risk assessment and expands its software portfolio into mortgage decisioning. The launch is expected to drive additional revenue from licensing and support services, while giving FICO a competitive edge in the growing market for real‑time mortgage analytics. The tool is now available for download and implementation through Credit Interlink’s platform and reseller partners Partners Credit & Verification Solutions and Advantage Credit, Inc.
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