Though CreditXpert tools are extremely accurate, there are no guarantees. If information or unexpected changes happen overtime, the accuracy can be impacted lowering the overall accuracy.
The CreditXpert tools are based off of data at a specific point in time and any changes within the applicant's profile or bureau database over time can impact the potential improvement and overall accuracy of the CreditXpert tools. While we find the tools to be 90-95% accurate, there are no guarantees as the bureaus can update their systems up to three times a day. This is also why scores can fluctuate without any apparent changes on the applicant's profile.