Storehouse Advisor

An advisor that has actually read your file.

Ask anything about your credit, funding or money. The Storehouse Advisor answers using your real scores, open disputes, Funding Score and net worth, then gives you a next best move.

Ask the AdvisorSee how it works

General information to help you decide, not financial, legal or tax advice. Lenders make their own decisions.

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Storehouse Advisor
Reads your file before it answers
Sample data
Using: 3 bureau reportsUsing: 2 open disputesUsing: Funding Score 74Using: Net worth $204K
Am I ready to apply for a mortgage this year?
Close. Your scores average 705, but your Equifax dispute is still in review and card ··4821 is at 38% utilization. I’d wait for the Equifax response and pay the card below $690 first.Lenders set their own criteria, so treat this as a readiness check, not an approval.
Make me a 60-day plan.
  1. Pay ··4821 to $690 before the statement date
  2. Send round 2 to Experian with your March statement
  3. Hold new applications until both resolve

Knows your file

Scores, disputes, funding tier, net worth

Next best move

One concrete action, ranked by impact

Plain English

No jargon, no generic tips

Whenever you are

Ask at any hour

How it works

Context first, then an answer.

  1. 01

    Step 1

    It reads what Storehouse already knows

    Your three reports, what’s driving each score, disputes in progress, your Funding Score and tier, and your linked accounts.

    What the Advisor seesSample data
    • Credit utilizationHigh impact
    • Payment historyStrong
    • Hard inquiriesMedium
    • Age of creditMedium
  2. 02

    Step 2

    You ask in your own words

    “What should I pay first?” “Am I ready for a mortgage?” No forms, no menus.

    Storehouse AdvisorSample data
    What should I pay down first to reach the next funding tier?
    Your card ending 4821 is at 38% utilization. Paying it to $690 brings it under 9% — the biggest single lift to your Funding Score.Your Equifax dispute is also still in review, so I’d hold new applications until it resolves.
    Show my planWhich dispute is next?Am I ready for a mortgage?
  3. 03

    Step 3

    It answers with your numbers

    Answers reference your actual balances, disputes and factors, like which card to pay down and to what amount.

    Funding Score
    Lender readiness, 0–100
    Sample data
    74/ 100
    Strong
    • Utilization38% on revolving cards
    • Age of creditOldest account 9 yrs
    • Inquiries2 in the last 12 months
    • Derogatory marksNone in 24 months
    • IncomeStated income, verified by lender
    • Tradelines9 open accounts, mixed

    Biggest lift: bring card utilization under 10%.

  4. 04

    Step 4

    It keeps track of what’s in motion

    If a dispute is still in review, it tells you to wait before applying. When a bureau responds, the advice changes with it.

    Open disputesSample data
    Dispute Center · Round 11 of 3 removed
    Experian
    ✓ Removed
    Late payment · Auto loan
    Equifax
    In review
    Collection · Medical
    TransUnion
    Sent
    Duplicate account · Card

Ask it anything

Questions members ask every day.

“What should I pay down first?”“Am I ready for a mortgage?”“Which dispute should I send next?”“Why did my Equifax score drop?”“How do I reach the next funding tier?”“Should I close my oldest card?”

Details

Built to help you decide, not to sell you something.

Uses your real data

Answers draw on your scores, disputes, funding tier and net worth, not averages.

Ranked next steps

When there are several things to do, it puts the highest-impact one first.

Knows your disputes

It tracks which letters are out, which bureau responded and what’s next.

Funding-aware

It knows your tier and what unlocks the next one.

Homebuying readiness

Ask whether you’re ready for a mortgage and what to do first.

Private

Your conversations stay in your account, protected like the rest of your data.

On your schedule

Ask at 2pm or 2am.

The Advisor is there whenever a question comes up: in the car dealership, before you apply, or when a letter arrives from a bureau.

Ask the Advisor
Woman working on a laptop and phone at a café table

FAQ

Frequently asked questions.

Still have questions? Contact us →

What’s already in your Storehouse account: your credit reports and scores, the factors behind them, your disputes, your Funding Score and tier, and linked accounts and assets.

No. It gives general information based on your data to help you decide. It isn’t financial, legal or tax advice.

No. It suggests next steps. You decide what to do, and you approve every dispute letter and choose how it’s sent.

The full Storehouse Advisor is part of Plus (30 days free, then $59.99/mo) and Elite ($99.99/mo).

Related

Keep exploring

Credit Monitoring

The data behind every answer.

Funding Score

What the Advisor uses to plan your next tier.

Monthly Statement

Your progress each month, in a PDF.

Get advice that starts with your actual numbers.

Start your free trialSee pricing

Plus: 30 days free, then $59.99/mo. Today’s total is $0.00. Card required up front. You’ll be charged $59.99/mo when the 30-day trial ends unless you cancel before then. Cancel anytime. New members only. Checking your own credit in Storehouse is a soft inquiry and doesn’t affect your score.