The reason you got turned down is fixable.
Lenders decline most funding applications on personal credit, not on the business. We read your three-bureau file, tell you what is actually holding it back, and work it in order.
- under 620
- 640
- 680
- 700
- 720+
Most files that stall sit between 640 and 700. That gap is usually the whole problem, and it is the part that moves.
We read the file line by line, then sort every item.
Volume loses. Mass-filed disputes get closed as frivolous and generic letters get processed as form letters. The only thing that works is naming a specific defect on a specific account.
Dispute
Items where the bureaus contradict each other, report past the legal window, or list an account without the data needed to verify it.
Pay down
Utilization problems. No letter fixes a maxed card. We tell you which balance to hit first and what it is worth in points.
Leave alone
Most items, on most files. Accounts that are legitimately yours and reported correctly stay exactly where they are.
The limits, before you ask.
- We do not remove accurate information. Nobody can. Accurate, current, verifiable items stay on the report until they age off. Anyone who tells you different is selling something that will not work.
- We do not dispute accounts you actually hold. Including the inquiries that produced them. Disputing your own open account wastes a round and can cost you the account.
- We do not promise a number or a date. What your file can do depends on what is in it. You will get an honest read on the first call, including when the answer is that repair is not your problem.
- We do not take payment before the work is done. You are billed for work already completed, never in advance.
Four steps, in this order.
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01
The review
You pull your three-bureau report. We read it and tell you what is holding the score down, item by item. This part is free and it is a real answer, not a sales call.
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02
The plan
You get it in writing. Which items we dispute and on what grounds, which balances come down first, and the order it happens in.
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03
The work
We file the disputes and track every response. You handle the paydowns, and we tell you what to pay and when. You see each round as it lands.
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04
Funding-ready
When the file clears the lender floor, the credit work is done and the funding conversation is the one worth having.
Three people, mostly.
- You applied for funding and got declined, and nobody told you exactly why.
- You already paid someone for funding and it never happened.
- You have the revenue, but the personal credit behind the business is blocking the file.
Send one email. We will tell you what your file needs.
support@creditstepbystep.com
Oscar Landrum, Credit Step By Step