ScoreNavigator is a credit analysis tool designed for consumers and loan originators. It analyzes the electronic version of a credit report and recommends the quickest way to achieve a credit score and to achieve the score needed for loan approval. It is a scientific analytical tool. Its recommendations are based on the understanding of credit score calculations and how different factors affect scores either positively or negatively. ScoreNavigator provides a TransRisk TransUnion Credit Report and Score. The Target Score Simulator is an innovative product allowing you to enter a target score and based on credit data will provide a plan to achieve your goal. The Target Score Simulator, using Point Deduction Technology®, analyzes your credit data and creates a list of recommendations. This information allows you to build a plan enabling you to capture and/or build points in the fastest, easiest, and most economical way.