Understand Your Credit. Maximize Your Funding Potential.
Our credit evaluation process provides a detailed look at your personal credit profile to determine how well it aligns with current lender standards. We review all three bureaus, analyze utilization ratios, check for late payments or derogatory items, assess inquiries, and measure the depth and age of your credit history. This gives you a clear picture of your strengths and any factors that may impact underwriting.
With this insight, we help you position your profile for the best possible outcome—whether that means moving forward immediately or addressing key areas to unlock higher approval amounts. This upfront clarity ensures that your funding strategy is built on accurate data, realistic expectations, and the strongest credit foundation possible.
How It Works
01 Review All Three Credit Bureaus
We start by pulling a full tri-merge view to assess scores, history, and overall profile strength across Experian, Equifax, and TransUnion.
02 Analyze Key Credit Factors
Utilization, payment history, inquiries, credit depth, and any potential red flags are examined to determine lender readiness.
03 Identify Strengths & Weak Points
We highlight what supports strong approvals and what may limit funding, giving you a clear picture of where you stand.
04 Provide a Clear Funding Path
Based on the evaluation, we outline your eligibility, recommended programs, and any steps that can improve your approval potential.
Program Highlights
- Full Tri-Bureau Credit Review.
- Clear Insight Into Funding Eligibility.
- Identification of Strengths & Risk Factors.
- Actionable Steps to Improve Approval Odds.
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1. Why is a credit evaluation important before applying for funding?
A credit evaluation helps determine whether your personal credit profile meets lender requirements. Identifying strengths and weaknesses early prevents unnecessary declines and ensures you apply for the programs you’re most likely to qualify for.
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2. What information is reviewed during the evaluation?
We analyze all three credit bureaus, utilization ratios, payment history, inquiries, credit depth, credit age, and any derogatory items that could affect underwriting or approval amounts.
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3. Does the evaluation affect my credit score?
No. The evaluation is based on your existing credit reports and does not involve a hard inquiry from us, so it has no impact on your credit score.
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4. How long does the credit evaluation process take?
Most evaluations are completed quickly—typically within 24 to 48 hours—depending on the complexity of the credit profile and the documentation provided.
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5. What happens after the evaluation?
You’ll receive a clear understanding of your funding eligibility, along with recommended programs and any actions you can take to strengthen your profile. This ensures you enter the funding process with realistic expectations and the highest approval potential.
