Credit Reports
The Credit Reports page shows all credit reports pulled for your clients.Viewing Reports
Each report shows:- Client Name
- Credit Score (TransUnion, Equifax, Experian when available)
- Pull Date
- Report Status (Success, Failed, Pending)
- Score breakdown by bureau
- Trade lines and account history
- Public records
- Inquiries
- Key factors affecting the score
How Reports Are Used
Credit reports drive the funding plan:- Score determines funding path - Higher scores qualify for more options (card stacking, term loans, SBA)
- Trade lines show capacity - Existing credit limits and utilization affect funding amounts
- Derogatories flag risks - Late payments, collections, or bankruptcies may limit options
Score Brackets
| Score Range | Typical Funding Path |
|---|---|
| 740+ | Premium card stacking, best term loan rates |
| 680-739 | Standard card stacking, competitive term loans |
| 620-679 | Limited card options, alternative lending |
| Below 620 | Credit repair may be recommended first |
These are general guidelines. The processing team evaluates each case individually based on the full credit profile, not just the score.
Reports on Dashboard
Your dashboard includes:- Credit Reports Chart - Volume of pulls over time
- Score Distribution - Histogram of your clients’ scores
- Decisions Donut - Approval/decline rates