Funding Score · 0–100
One number for how lenders are likely to see you.
A credit score describes your credit history. The Funding Score goes further: it combines six lender factors, including income, into a 0–100 readiness score and tells you what would move it.
Not a credit score and not an offer of credit. Your bureau scores in Storehouse are VantageScore® 3.0.
- 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%.
0–100 scale
Easy to read, easy to track
6 lender factors
Including income, not just credit
Your biggest lift
The single change that helps most
Feeds Score Match
Compared with 65 partners
The six factors
What goes into your Funding Score.
Each factor is scored from what lenders typically look at, then combined into one number.
Utilization
What lenders see: How much of your revolving limits you’re using. High balances suggest stretched cash flow.
How to move it: Pay balances down before statement dates; under 10% is strongest.
Age of credit
What lenders see: How long you’ve managed credit. More history means more evidence.
How to move it: Keep your oldest accounts open and in use.
Inquiries
What lenders see: How many times you’ve applied recently. Many applications can signal a need for credit.
How to move it: Use Score Match to apply only where you fit.
Derogatory marks
What lenders see: Collections, charge-offs, serious lates and public records, especially recent ones.
How to move it: Dispute anything inaccurate; accurate marks weigh less as they age.
Income
What lenders see: Your ability to repay, and how much a lender may extend.
How to move it: Keep your income details current in your profile.
Tradelines
What lenders see: Your existing cards and loans, and whether they’re paid as agreed.
How to move it: A few well-managed accounts over time strengthen this factor.
How it works
From your file to your next tier.
- 01
Step 1
Your profile is read
Storehouse uses your three credit reports plus the income and account details in your profile.
Sample dataFunding ScoreLender readiness, 0–10074/ 100Strong- 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%.
- 02
Step 2
You land in a funding tier
Your score places you in one of five tiers, from Building to Top tier, with the change that unlocks the next one.
Sample dataFunding tiersYou’re in Tier 3 of 5- Tier 1 · Building✓ Unlocked
- Tier 2 · Developing✓ Unlocked
- Tier 3 · StrongYou are here
- Tier 4 · Very strongNext: utilization < 10%
- Tier 5 · Top tierLocked
- 03
Step 3
Score Match finds partners that fit
Your score and profile are compared with 65 lending and card partners so you can see where you fit before applying.
Matches are not offers or guarantees of credit. Lenders make final decisions.
Sample data- Strong fitAmerican ExpressBlue Cash Everyday® CardCash back credit card
- Funding Score 70+
- No late payments in 24 months
- Strong fitCapital OneQuicksilver Cash Back Rewards CardCash back credit card
- Utilization under 30%
- Oldest account 2+ years
- AlmostSoFiSoFi Personal LoanPersonal loan
- Lower debt-to-income first
- Verifiable income on file
Sample data: an illustrative match, not an offer. Partner and card names are trademarks of their issuers, shown as examples from Storehouse’s Funding Offers partners. Fit signals are sample Storehouse criteria, not issuer requirements. Approval, rates and limits are set by each lender.
- 04
Step 4
It updates as your file changes
When a balance drops or a bureau corrects an item after a dispute, your Funding Score recalculates, and the Advisor tells you what changed.
Storehouse AdvisorSample dataWhat 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.
Try it now
Estimate your Funding Score.
Move the sliders for an instant estimate. In the app, the inputs come from your actual reports.
Your inputs
Move each slider to match your situation. Everything stays in your browser.
Total card balances ÷ total card limits
Collections, charge-offs, 60+ day lates, bankruptcies
Years since your oldest account opened
Applications where a lender pulled your credit
Verifiable income before tax
Cards and loans currently open and paid as agreed
Estimated Funding Score
EstimateYou’d likely fit many lenders’ criteria. One or two factors could move you higher.
Biggest opportunity
Credit card utilization
Paying balances down toward 9% or less would lift this factor the most.
Educational estimate from the six inputs above, weighted utilization 25%, derogatory marks 20%, age 15%, inquiries 15%, income 15%, accounts 10%. It isn’t your in-app Funding Score (which uses your actual reports), isn’t a credit score and isn’t an offer or guarantee of credit. Lenders use their own criteria.
Funding Score vs credit score
Two different questions.
Your VantageScore® 3.0 scores answer “how have you handled credit?” for each bureau. The Funding Score answers “how ready are you to apply for funding today?” by adding income and lender-style weighting. You’ll see both in Storehouse.
- Credit scores: 300–850, one per bureau
- Funding Score: 0–100, one readiness number
- Both update as your file changes
Illustrative sample data. No score change is promised.
FAQ
Frequently asked questions.
No. It’s a Storehouse readiness measure from 0 to 100. Your credit scores in Storehouse are VantageScore® 3.0 scores from each bureau.
Utilization, age of credit, inquiries, derogatory marks, income and existing tradelines.
No. It indicates readiness. Each lender reviews your application and makes its own decision.
Storehouse shows your biggest lift, the change with the most impact for your profile. Common ones: lowering card utilization, letting inquiries age, and disputing inaccurate derogatory marks.
Funding Center access, including your Funding Score and Score Match, is part of Plus (30 days free, then $59.99/mo; card required, cancel before day 30 to pay $0) and Elite. The calculator on this page needs no account.
Related
Keep exploring
Funding & Score Match
Partners that fit your profile.
Funding Score Calculator
The full calculator, with every factor.
Credit utilization, explained
The fastest lever for most people.
Get your Funding Score from your real file.
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.