Before Your Credit Analysis: What To Prepare
What to bring to a credit consultation with 700 Credito: your goal, report access, concerns, recent applications and questions: plus what an analysis does not guarantee.
REQUEST MY FREE CREDIT ANALYSISHave your goal, current report information and questions ready for a focused conversation about your credit.
This is preparation guidance, not an eligibility test. You can book without completing every item.
What To Prepare Before Your Credit Analysis
Your Goal
Know what you are working toward.
- Buying a home
- Financing a vehicle
- Improving overall credit
- Preparing for better credit card opportunities
- Building or repairing credit with an ITIN
- Preparing for business funding
Current Credit Report Information
Have access to current credit report information so we can discuss the accounts and details behind your score.
Accounts Or Issues You Are Concerned About
Make a short list of what you want reviewed.
- Collections
- Charge-offs
- Late payments
- Hard inquiries
- Incorrect personal information
- Accounts you do not recognize
- Balances or statuses that appear incorrect
Recent Credit Applications
Be prepared to discuss any recent applications.
- Mortgage
- Auto financing
- Credit cards
- Personal loans
- Business financing
Recent Denials Or Adverse Action Notices
If you recently received a denial or adverse action notice, have it available if possible. These notices may help explain factors considered in a lender’s decision.
Your Timeline
Know approximately when you hope to buy a home, finance a vehicle, apply for credit or pursue business funding. This gives context for the discussion.
ITIN Credit Considerations
If you build credit with an ITIN, choose ITIN credit as your interest so we can tailor the conversation.
Your Questions
Write down what you want answered.
- What may be holding my profile back?
- What should I focus on first?
- What reporting issues should be reviewed?
- How should I prepare before applying?
What To Expect From Your Credit Analysis
The purpose is to better understand your current credit profile and potential next steps. Depending on your situation, the analysis may include:
- Reviewing your overall credit profile
- Identifying potentially inaccurate, incomplete, outdated or unverifiable reporting
- Reviewing utilization and balances
- Reviewing payment history
- Reviewing inquiries and recent applications
- Reviewing positive and negative accounts
- Understanding your financial goal
- Discussing potential areas of focus
- Explaining possible next steps
What A Credit Analysis Does Not Guarantee
- A specific credit score
- Deletion of any specific account
- Mortgage approval
- Auto financing approval
- Credit card approval
- A specific credit limit
- A specific interest rate
- Business funding
- ITIN financing
- A specific timeline
Every credit profile and lender decision is different.
What Approval-Ready Means
Approval-Ready does not mean guaranteed approval. It means working toward a better-understood, better-prepared and more strategically positioned credit profile before pursuing an important financial application.
Before Your Consultation
- Unless necessary, avoid making multiple new credit applications right before your analysis just to “test” whether you will be approved.
- Keep paying your legitimate obligations as usual.
- Do not make major credit decisions based only on website content.
- Bring your questions and accurate information about your current situation and goal.
Your Past Doesn’t Have To Define What’s Next.
One conversation. A clearer direction. Understand what may be holding you back and which next steps fit your goal, before choosing a program.