04 — RECOVERY PRIMUS Mortgage Station
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Credit Optimization Lab

Strategic score elevation & approval readiness engineering — bank-aligned, data-driven.

CREDIT RISK HEAT MAP
Tri-bureau signal analysis — Upload a report to begin
300 — 850
Experian
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TransUnion
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Equifax
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QUALIFYING MID-SCORE
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Upload a credit report to analyze
NEGATIVE SCORE FACTORS
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Awaiting Report
Upload a tri-merge credit report to identify negative score factors.
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Charge-Offs
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Collections
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Total Past Due
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Rev. Utilization
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30 / 60 / 90+ Late
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Public Records
Utilization Collections Late Payments Charge-Offs
APPROVAL PROBABILITY
Upload a report to calculate eligibility
PRIMUS
Approval Probability
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UPLOAD TO ANALYZE
PROGRAM ELIGIBILITY MATRIX
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Conventional
Min. 620 FICO
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FHA Standard
Min. 580 FICO (3.5% down)
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FHA Manual UW
Min. 500 FICO (10% down)
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VA Loan
Min. 580 FICO (lender overlay)
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Non-QM / Bank Statement
Min. 620 FICO typical
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DSCR Investment
Min. 660 FICO
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Upload a credit report to determine program eligibility.
STRUCTURED RECOVERY ROADMAP
Upload a report to generate a custom recovery plan
0–90 DAYS
  • Upload a credit report to generate a step-by-step recovery strategy tailored to your profile.
Budget-Based Priority Actions Program Target
FICO SCORE SIMULATOR
Adjust credit factors to project score changes in real time
CURRENT
443
→
PROJECTED
443
+0
FHA Manual FHA Standard VA Loan Conventional Non-QM DSCR
💳Revolving Utilization50%
0%10%30%100%200%
30% of FICO. Below 9% = max benefit. Above 50% = severe penalty.
📅On-Time Payment Rate95%
50%80%90%97%100%
35% of FICO — the biggest factor. 100% = perfect history.
📋Open Collections0
0361015
Each collection ≈ -15 to -40 pts. First one hurts most.
⚠Charge-Offs0
024710
Major derogatory — each one ≈ -20 to -50 pts.
💰Total Past Due$0
$0$10K$25K$50K$100K
Active past due balances drag score. Mortgage delinquency is worst.
🔍Hard Inquiries (24mo)1
0361015
10% of FICO. 1-2 inquiries = minimal impact. 6+ = significant.
⏳Avg Account Age (yrs)7
0371525
15% of FICO. 7+ years is "good". Don't close old accounts.
🎯Credit Mix (account types)3
12356
10% of FICO. Mix of revolving + installment + mortgage = optimal.
🏛Public Records (BK/Liens)0
0123
Bankruptcy = -100 to -200 pts. Tax liens ≈ -50 to -100 pts.
🔒 Data sourced from Premium Credit Bureau report #3167533 · CreditXpert simulation · 02/12/2026