The "Path to Yes"
Approval
Checklist
10 Essential Boxes to Check Before You Apply for a Home, Car, or Business Loan.
The "Path to Yes"
Approval
Checklist
10 Essential Boxes to Check Before You Apply for a Home, Car, or Business Loan.
The "Bureau Basics"
(Identity & Security)
Frozen Secondary Bureaus:
Ensure LexisNexis, SageStream, and ARS are frozen to prevent
them from verifying old data.
Address Consistency:
Your current address must match across all three major bureaus
to avoid "identity flag" denials.
Employment Accuracy:
Ensure your employer name is updated and consistent to pass automated income verification.
The "Funding Framework" (Data Points)
Utilization Ratio:
Utilization Ratio:
Keep individual and total revolving balances under 10% for maximum score impact.
Late Payment Cleanliness
Keep individual and total revolving balances under 10% for maximum score impact.
Inquiry Count:
Inquiry Count:
No more than 2 hard inquiries in the last 6 months on any single bureau.
Account Diversity:
Account Diversity:
A mix of at least 3 revolving (cards) and 1 installment (loan) account.
The "Red Flag" Filter (Automatic Denials)
Frozen Secondary Bureaus:
Confirm no active tax liens or judgments are reporting.
Collection Status:
Ensure no "unpaid" collections from the last 2 years are active.
Charge-Offs:
Check that old charge-offs aren't "re-aging" or updating their balance monthly.
Account Diversity:
A mix of at least 3 revolving (cards) and 1 installment (loan) account.
The "Bridge" to Your $47 Audit Guide
"Checked a 'No' on any of these? Don't apply yet. My Credit Mastery & Audit Guide includes the exact AI prompts and dispute logs you need to turn those 'No's' into 'Yes's' before the bank sees your report.
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Disclaimer: Results vary. This is an educational program. We do not guarantee specific deletions or scores, as every credit profile is unique.