Readiness score
A 0-100 score based on your current credit profile, utilization, inquiry history, and account age. It updates the moment your file changes. 70+ means most personal cards are within reach. 85+ opens up business credit and higher-limit programs.
Readiness score is our internal signal — it's not a FICO score, VantageScore, or lender guarantee. It's a preparation index.
Lender programs
21 programs across major issuers (Chase, Bank of America, Discover, Navy Federal, Capital One) plus SBA loans, equipment financing, and startup funding. Each program shows the typical qualification criteria, credit score range, estimated limits, and required documents.
Tip. Programs you're likely qualified for are highlighted in green. Programs to prepare for are amber. Never-yet-viable are gray.
The simulator
Model 'what-if' scenarios: if I pay off this card, if I open a tradeline, if I wait 60 days for the inquiry to age off. The simulator shows the projected readiness score delta so you can plan the sequence.