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How Credit Quack works

From first intake
to funded — in 11 steps.

An immersive walkthrough of exactly how a client moves through Credit Quack. No black boxes, no vague timelines — every stage documented.

1

Step 1

Welcome

A prospect submits our Jotform intake with basic info, package selection, and desired funding goals.

2

Step 2

Account created

The moment the form submits, a ClientQuack portal is auto-created with the client's email as username and a deterministic temp password (LastName + last 4 of phone).

3

Step 3

Documents uploaded

Photo ID, SS card, utility bill, pay stubs. Drag-and-drop into the portal, AES-256 encrypted at rest.

4

Step 4

AI Credit Analysis

Claude Sonnet reads the client's file and produces a personalized readiness score, negative-item map, and dispute strategy.

5

Step 5

Dispute Generation

Lorenzo and the credit team draft dispute letters using the AI-generated strategy plus their manual expertise. Sent to Experian, Equifax, TransUnion.

6

Step 6

Tracking progress

Client watches the Pizza Tracker move in real time. Every status change (Started → Waiting for Info → Doc Issue → Waiting for Repairs → Waiting on Trade Line → Waiting on Funding → Completed) is instant.

7

Step 7

Funding marketplace

As the score climbs, the Funding Center starts recommending eligible programs — personal cards first, then business credit, then higher-limit lines.

8

Step 8

Business credit build

For clients pursuing business capital, we set up EINs, DUNS, tradelines, and prep for SBA / working capital.

9

Step 9

Client dashboard

Every touchpoint — messages, documents, meetings, status, funding readiness — lives in a single dashboard. Nothing off-platform.

10

Step 10

Monitoring

Continuous credit monitoring via IdentityIQ integration. Alerts on new inquiries, score changes, and fraud attempts.

11

Step 11

Funded

The client applies for the recommended programs with confidence. Approval screenshots come back to us and go into the wall of proof.

Complete

You're funded and organized for the next round.

Most Credit Quack clients cycle through steps 3–7 in 30–90 days. Every account is different — that's why every file has a real specialist assigned from day one.

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