I am managing partner for San Diego based Cogent Road Inc., which my partner and I founded in 2002. Cogent Road’s main product, Funding Suite®, is advanced credit report management software for mortgage lenders. Using automated credit proofreading tools, our software detects and corrects credit errors and issues, delivering more accurate, and often higher, credit scores as a result.
Cogent Road also makes AVAIL Automated Mortgage Qualifying software and AVSpectrum eAppraisal management software. Cogent Road’s recent product CMD, is an automated algorithm that detects the degree of credit masking within a credit file resulting from Authorized User accounts.
Over the years we’ve come to understand the nuances of credit scoring, along with its many inefficiencies and inaccuracies. Our software can detect the credit data issues which unknowingly harm credit scores, or unknowingly create artifically inflated credit scores. In this way mortgage lenders using Cogent Road products have the clearest understanding of a borrowers ability to pay.
