Credit repair

I’m a newer LO at a big retail company and I’m still in the phase of winning trust with my realtors. With that most of the clients they are sending my way are the first time home buyers with challenging credit situations. Usually fall between 550-520. I have other deals that are normal situations but I’ve recently had a dozen or so of these lower credit deals come my way. Trying to be the best value add to the borrower and show the realtor I can overcome obstacles.

Are there any tools you use to help educate the borrower on what it is that’s impacting their score the most and how to fix it?