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Credit Reports

Credit reports are the foundation of every funding decision. This page shows all reports pulled for your clients and helps you understand what drives approvals and declines.

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Viewing Reports

Each report shows:
  • Client Name — Who the report belongs to
  • Credit Score — Scores from TransUnion, Equifax, and Experian (when available)
  • Pull Date — When the report was pulled
  • Report Status — Success, Failed, or Pending
Click any report to view the full credit details including:
  • Score breakdown by bureau
  • Trade lines and account history
  • Public records
  • Inquiries
  • Key factors affecting the score

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Reading Your Credit Report

Before submitting a client, understanding these key factors helps you pre-qualify and set expectations:

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Credit Utilization

The percentage of available credit being used. Under 30% is ideal. Clients with utilization above 50% may qualify for less funding or face higher rates. If your client has maxed-out cards, suggest they pay down balances before you submit.

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Derogatories

Late payments, collections, charge-offs, or bankruptcies on the report. Even one recent derogatory (within the last 12 months) can significantly limit funding options. Older derogatories (3+ years) have less impact.

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Inquiry Count

How many hard credit inquiries appear in the last 6-12 months. More than 6 recent inquiries is a red flag for lenders. If your client has been rate-shopping recently, it may be worth waiting before submitting.

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Trade Line History

The number and age of credit accounts. Lenders prefer clients with at least 3 trade lines open for 2+ years. Thin files (few or no trade lines) often get declined or qualify for minimal funding.
Pre-screen your clients by asking about their credit card balances, any late payments in the past year, and whether they’ve applied for credit recently. This takes 2 minutes and saves days of processing time for clients who aren’t ready.

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How Reports Are Used

Credit reports drive the funding plan:
  1. Score determines funding path — Higher scores qualify for more products (card stacking, term loans, SBA)
  2. Trade lines show capacity — Existing credit limits and utilization affect how much new funding is realistic
  3. Derogatories flag risks — Late payments, collections, or bankruptcies may limit options or require credit repair first

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Score Brackets

Score RangeTypical Funding PathWhat to Expect
740+Premium card stacking, best term loan ratesFastest approvals, highest funding amounts
680-739Standard card stacking, competitive term loansStrong approval rates with good funding
620-679Limited card options, alternative lendingSmaller amounts, fewer product options
Below 620Credit repair recommended firstSubmitting now usually leads to declines
Submitting clients below 620 without discussing with your account manager first often results in wasted time for everyone. Consider recommending credit repair and resubmitting in 3-6 months.
These are general guidelines. The processing team evaluates each case individually based on the full credit profile, not just the score. A 670 with clean history and low utilization may outperform a 720 with recent derogatories.

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Reports on Dashboard

Your dashboard includes several credit-related visualizations:
  • Credit Reports Chart — Track your pull volume over time to monitor pipeline activity
  • Score Distribution — See if you’re submitting high-quality leads or need to adjust your sourcing strategy
  • Decisions Donut — Compare your approval and decline rates to spot trends

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Frequently Asked Questions

Credit reports are pulled as part of the submission process. If you want to pre-screen, ask your client about their approximate score, recent inquiries, and any negative marks. Many clients know their score from free monitoring services.
Each bureau maintains its own data, and not all creditors report to all three. Differences of 20-40 points between bureaus are normal. The processing team considers all three scores when building a funding plan.
Failed pulls are almost always caused by incorrect SSN or Date of Birth. Check the client’s detail page, correct the information, and the processing team will re-pull automatically.
Credit reports are valid for 30 days. If processing takes longer, a new report may be pulled. This is standard practice and doesn’t count against the client as a new inquiry.

Submit a Client

Submit a new client for credit analysis and funding

Checking Status

Track your client’s progress through the pipeline

Your Dashboard

View credit score distribution and approval trends

Applicants

See all your submitted clients and their scores