Personal Funding Ready
A personalized readiness-planning service designed to help clients understand credit-profile concerns, utilization, inquiries, documentation organization, and responsible application timing before independently deciding whether to pursue a personal-funding objective.
Personal Funding Ready is a one-time educational, readiness, and planning service. We help clients review available credit-profile information, understand personal-funding readiness concerns, establish responsible utilization targets, assess recent inquiries and application activity, organize commonly requested documentation, and develop a responsible application-timing strategy. The service concludes with delivery of a personalized written Personal Funding Ready roadmap.
Personal Funding Ready — $499 one-timeOptional Follow-Up Readiness Review — $199
Final service scope is confirmed in writing before work begins. Payment is due after the completed Personal Funding Ready roadmap is delivered. An optional follow-up readiness review is not automatically included, requires separate client authorization or agreement, and is invoiced after the completed follow-up review.
Prices describe available service options. Final services, payment timing, and terms are stated in the written agreement. No payment for consumer credit services is collected before the agreed services associated with that payment have been fully performed.
Personal Funding Readiness Analysis
A structured review of available credit-profile information, account patterns, balances, payment history, inquiries, and other factors that may be relevant to personal-funding readiness planning.
Utilization Targets
A review of revolving balances and utilization, with responsible target ranges and balance-management priorities for the client to consider before independently deciding whether to apply.
Inquiry Assessment
An assessment of recent inquiries, application activity, and timing considerations that may affect the client’s personal-funding readiness planning.
Documentation Checklist
A personalized organizational checklist covering commonly requested identity, residence, income, employment, banking, debt, and other personal-funding records.
Application-Timing Strategy
An educational strategy addressing readiness milestones, utilization, documentation priorities, inquiry considerations, and responsible timing before the client independently decides whether to apply.
Consultation and Personal-Funding Objective Review
We discuss the client’s personal-funding objective, anticipated timing, current concerns, available information, and proposed service scope.
Current-Profile Readiness Analysis
We review available credit-profile information, account patterns, revolving utilization, balances, inquiries, payment behavior, and personal-funding readiness considerations.
Utilization, Inquiry, and Documentation Assessment
We evaluate responsible utilization targets, recent inquiry and application activity, and the client’s current documentation-organization needs.
Readiness Milestones and Timing Strategy
We develop educational readiness milestones, documentation priorities, utilization considerations, and responsible application-timing guidance.
Personal Funding Ready Roadmap Delivery
We deliver the completed written Personal Funding Ready roadmap and explain the client’s priorities, utilization targets, inquiry considerations, documentation checklist, milestones, and possible next steps.
SERVICE SCOPE
Personal Funding Ready is a one-time educational, readiness, and planning service. The $499 price applies to the completed Personal Funding Ready roadmap described in the client agreement. Final scope is confirmed in writing before work begins, and payment is due after the roadmap is delivered. An optional follow-up readiness review is $199, is not automatically included, requires separate client authorization or agreement, and is invoiced after completion. ScoreCraft is not a lender, loan broker, funding broker, underwriting service, product-selection service, or lender-matching service and does not submit applications, issue prequalification or preapproval letters, verify information for lenders, perform underwriting, make credit decisions, negotiate terms, select products or lenders, or arrange financing. Credit-restoration service cycles, Identity Shield, Banking Report Assistance, and ongoing monitoring are not automatically included unless a separate qualifying service is expressly agreed upon.
- Clients preparing for a possible future personal-funding application
- Clients who want help understanding personal-funding profile, utilization, and inquiry considerations
- Clients who need an organized personal-funding documentation checklist
- Clients who want a personalized written roadmap before independently deciding whether to apply
Schedule a consultation to discuss your goals and determine if this service is the right fit.
Request ConsultationCommon Information to Organize Before Applying
Personal-funding documentation requirements vary by lender, product, income source, credit profile, and individual circumstances. This educational checklist helps clients organize information that may commonly be requested, but ScoreCraft does not determine lender requirements or submit documents to lenders.
Identity and Residence
- Government-issued identification
- Current address information
- Recent residence history
- Proof of residence when applicable
Income and Employment
- Recent pay statements
- Employment information
- W-2 or 1099 records when applicable
- Additional income documentation when applicable
Banking and Asset Information
- Recent bank statements when applicable
- General asset information when applicable
- Deposit information when relevant
- Records concerning available reserves when applicable
Debt and Monthly Obligations
- Existing debt obligations
- Monthly payment information
- Housing-payment information
- Other recurring financial obligations
Tax and Supporting Records
- Tax returns when applicable
- Self-employment records when applicable
- Explanatory letters when applicable
- Other supporting documentation requested by the client’s selected provider
This checklist is educational and organizational only. ScoreCraft does not verify income, employment, residence, assets, debts, tax information, or document authenticity; determine eligibility or affordability; perform underwriting; select a product or lender; negotiate terms; or submit records to a lender.
Results and available options vary based on each client’s credit profile, balances, utilization, inquiries, payment behavior, income, employment, debts, documentation, selected product, lender requirements, market conditions, and other circumstances. ScoreCraft Credit Solutions does not guarantee credit-score increases, deletions, personal-funding eligibility, qualification, preapproval, approval, credit limits, loan amounts, interest rates, payment amounts, product terms, lender decisions, financing, or funding timeframes.
Personal Funding Ready is educational and strategic in nature and does not constitute an application, loan offer, prequalification, preapproval, underwriting decision, credit decision, product recommendation, or financing commitment. ScoreCraft does not provide legal, tax, accounting, lending, investment, or individualized financial advice. Clients should obtain guidance from appropriately qualified lending, legal, tax, accounting, or financial professionals when needed.
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Schedule a credit consultation to discuss your goals and explore a strategic path forward.
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