Credit Optimization & Funding

I’ve spent the last 5 years fixing credit files and stacking six-figure business lines for coaches. These are the issues that slow people down and how to handle them—no fluff.

1. Do I really need a 700+ personal FICO before I fund?

Yes. Anything lower triggers auto-declines and tiny limits.

• Sub-700 scores = “high risk” in every bank algorithm.
• Business cards still ride on your personal report.
• Fix negatives and drop utilization first; approvals—and limits—jump.

Hard truth: Under 700, you’re don’t expect any big wins.

2. Utilization’s above 50 %. How do I get under 30 % fast?

• Pay balances before the statement date.
• Shift debt with 0 % balance-transfer offers.
• Request credit-line increases the moment scores rebound.
• Worst-case: use a low-rate personal loan to wipe cards, then pay the loan down.

Outcome: Sub-30 % per card is the single biggest score lever you can control overnight.

3. I only have two active trade lines. Why do lenders want four?

• Depth proves you can manage multiple accounts.
• Quick options: open a prime bank card, add a CreditStrong builder loan, or become an authorized user on a seasoned, high-limit card.