CredEvolv Solutions

Every path to
loan-ready.
Under one roof.

CredEvolv matches each referred consumer to the right solution – automatically, compliantly, and with full visibility back to the lender or professional who referred them. One integration. Three proven paths.

Enroll Request a Demo Refer a Client
36K+
Consumers served across all 50 states
35%
Enrollment rate among referred consumers
+53
Average credit score improvement
5.2%
Of referred consumers close a loan
150+
Companies whose teams have referred clients through CredEvolv – including 30+ with active enterprise integrations across the mortgage, real estate, and lending industries
UWM| CrossCountry Mortgage| Zillow Home Loans| Guaranteed Rate| Fifth Third Bank| AnnieMac Home Mortgage| WesBanco| Northpointe Bank| PRMG| Homestead Funding| Haven Home Equity| Huntington Bank| Beeline| Mutual of Omaha Mortgage
UWM| CrossCountry Mortgage| Zillow Home Loans| Guaranteed Rate| Fifth Third Bank| AnnieMac Home Mortgage| WesBanco| Northpointe Bank| PRMG| Homestead Funding| Haven Home Equity| Huntington Bank| Beeline| Mutual of Omaha Mortgage
Who Uses CredEvolv

Built for lenders.
Used by the whole industry.

CredEvolv started as a lender-integrated platform. But word travels. Today, professionals from more than 150 companies across mortgage, real estate, and lending use CredEvolv to help their clients become loan-ready.

30+
Enterprise lender partners with active tech integrations
150+
Companies whose teams have referred clients through CredEvolv
50
States served – every consumer in the country is eligible
💡
Not yet an enterprise partner?

Independent loan officers and real estate professionals can refer clients directly through CredEvolv – no enterprise agreement required. Our Connector App is coming soon for independent referral partners. In the meantime, reach out to our team to get set up.

Refer a Client
Most Common Path

Nonprofit Credit Counseling

A HUD-certified, NFCC-member nonprofit counselor reviews the consumer’s full credit picture, builds a personalized improvement plan, and works with them monthly until they’re loan-ready. When student loan debt is identified as a factor during counseling, our partners address that within the same counseling relationship.

  • One-on-one counseling with a HUD-certified nonprofit counselor
  • Personalized credit improvement plan built around their situation
  • Monthly check-ins tracked and reported back to the referring lender
  • Compliant referral architecture – no RESPA or FCRA exposure for lenders
  • Student loan guidance available when identified during counseling
Avg. 3-6 months to goal
$149 enrollment max
$115/mo max
Consumer-paid
All 50 states
Learn more about credit counseling →
🧑‍💼
What the counseling process looks like
📋
Full credit review
Counselor pulls and reviews all three bureau reports, identifies barriers, and establishes a baseline
🗺️
Personalized action plan
A written plan tailored to the consumer’s specific profile, goals, and timeline
📞
Monthly follow-up sessions
Regular touchpoints to track progress, adjust the plan, and maintain momentum
17%
Program completion rate
💡 Some lender partners subsidize a portion of the consumer’s enrollment fee – reducing friction and improving completion rates.
Debt-Focused Path

Nonprofit Debt Management

When high-balance credit card debt or a DTI ratio is the barrier to qualifying, our HUD-certified nonprofit debt management partners negotiate rates with creditors and create a single, structured monthly payment plan. This is not debt settlement – it is a compliant, nonprofit-managed debt management program.

  • Managed by HUD-certified nonprofit debt management providers
  • Negotiated interest rates with creditors on the consumer’s behalf
  • One structured monthly payment replaces multiple high-interest payments
  • Fully compliant – not debt settlement, not credit repair
  • Progress reported back to the referring lender
Avg. 12-18 months to goal
Avg. $37 set-up fee
Avg. $26/mo
Consumer-paid
All 50 states
Learn more about debt management →
💳
How the debt management path works
🔍
Full debt assessment
Counselor reviews all outstanding balances, interest rates, and creditor terms
🤝
Creditor negotiations
Provider negotiates reduced interest rates directly with the consumer’s creditors
📅
Single monthly payment plan
Consumer makes one monthly payment; the provider distributes to creditors
12-18
Months average to reach debt management goals – structured and predictable
💡 Some lender partners subsidize a portion of the consumer’s set-up fee – improving enrollment follow-through.
DIY Path

CredEvolvIQ

Our own data showed us that a meaningful share of consumers wanted a more affordable, self-paced option – one that didn’t require a monthly coaching session to make progress. CredEvolvIQ is built for them. A self-guided, web-based credit-building subscription backed by the same institutional standards as our counseling programs.

  • Real-time credit score monitoring and analysis
  • Personalized credit-building roadmap based on the consumer’s profile
  • Bureau dispute assistance and guided workflows
  • FICO-certified financial literacy education library
  • No monthly coaching sessions required – consumers move at their own pace
Avg. 3-6 months to goal
$1 for 7-day trial
$29.99/mo
Consumer-paid
All 50 states
Learn more about CredEvolvIQ →
Start your trial today
$1
7-day trial, then $29.99/month – cancel anytime
  • Full platform access from day one
  • Credit score monitoring included
  • Personalized improvement roadmap
  • FICO-certified content library
  • No long-term commitment required
  • Upgrade to counseling at any time
Start $1 Trial – 7 Days Free
Expanding Our Reach

The CredEvolv model works
anywhere credit is a barrier.

Our referral architecture – connecting professionals to HUD-certified nonprofit solutions on behalf of their clients – is designed to extend beyond mortgage lending. We actively service clients in the below verticals, in addition to working with our lending partners. If you have clients who can benefit from credit or debt help – let’s talk.

🏠
Property Management
Landlords and property managers who want to help rental applicants qualify rather than simply decline them.
Now Serving
🚗
Auto Lending
Auto dealers and lenders facing the same credit barrier their mortgage counterparts do – same solution, different loan type.
Now Serving
💼
Employment
Employers who run credit checks and want to give promising candidates a path to eligibility rather than a hard no.
Now Serving
🛡️
Insurance
Insurance providers where credit scores directly affect premium rates – and where score improvement creates real savings for consumers.
Now Serving

Interested in a vertical not listed here? Let’s talk.

Ready to get started?

The right solution
for every situation.

Whether you’re a consumer looking for help, a loan officer ready to refer, or a lender evaluating an enterprise integration – we have a path for you.

Enroll Now Request a Demo