Free tool · 5 questions
Is your credit ready for what’s next?
Pick your goal (a card, a loan, a home or business funding), answer four quick questions and get an instant readiness result with the steps that matter most for you.
An educational self-check based only on your answers. It doesn’t check your credit and isn’t a credit decision.
Why these questions
The same things lenders care about.
- 01
On-time payments
Payment history is the single most important part of most credit scores.
- 02
Card utilization
Lower balances relative to limits read as healthier cash flow.
- 03
Recent negatives
Collections and charge-offs in the last two years weigh heavily.
- 04
Your score range
Different goals have different bars. Mortgages are usually the strictest.
FAQ
Frequently asked questions.
That your answers look like a profile many lenders would consider for that goal. It isn’t a pre-approval or a guarantee; lenders make their own decisions.
Mortgages are large, long loans, so lenders usually look more closely at all three credit reports, payment history and debt-to-income.
You can get your reports from each bureau at AnnualCreditReport.com, or see all three side by side in Storehouse. Viewing your own credit is a soft inquiry and doesn’t affect your score.
Related
Keep exploring
Real Estate
Homes next to your credit readiness.
Getting mortgage-ready
A step-by-step guide.
Funding Score Calculator
A 0–100 lender-readiness estimate.
Credit Score Estimator
A score range in 6 questions.
Know exactly where you stand.
See all three reports and your Funding Score, then follow a plan built from your actual 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.