The Core Metric

Your Financing Readiness Score (0–100)

Not a FICO score. Not a bureau score. A proprietary metric that reflects how lenders will actually evaluate your application.

Score Categories
Excellent
90–100
Highest approval probability.
Good
75–89
Strong approval odds.
Fair
60–74
Conditional approval likely.
Needs Work
40–59
Address blockers first.
Limited
0–39
Approval unlikely now.
9 Weighted Factors
Credit Score Range 20%
Utilization 20%
Payment History 15%
Derogatory Accounts 15%
Inquiries 10%
Age of Accounts 8%
Debt Load 7%
Credit Mix 3%
Report Stability 2%

Financing-Type Sub-Scores

Different lenders weight factors differently.

Auto Financing
Inquiries weighted heavily. Score range most critical. Derogatories heavily penalized.
Home Financing
Payment history and derogatory accounts most heavily weighted. Debt load and income matter.
Business Financing
Business credit separated from personal. Mix and utilization more important.
Credit Cards
Inquiries penalized more heavily. Utilization is the single largest factor.

Projected Score

Where your score could be in 90 days.

Current
67
Fair
30 Days
72
Fair
+5 pts
60 Days
75
Good
+8 pts
90 Days
78
Good
+11 pts

Projections are educational estimates based on completing recommended actions. Actual results vary based on individual circumstances, lender policies, and timing of reported changes.

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