My Credit Isn’t There Yet: The Path From Denied to Fundable
$14.99
“They told me my credit scores aren’t high enough. Fine — what do I actually fix, and how long until I qualify?” This manual answers that in writing: the exact funding criteria stated plainly (700+ across all three bureaus and two years of returns for startups; six months of clean bank statements for existing businesses), the credit fixes in the order to work them, the tax-return and bank-statement traps that break otherwise-ready files, the co-signer door assessed honestly, and a month-by-month plan with worksheets.
Most funding denials come with no map. The applicant is told the credit is not there yet and left to guess what "there" is. This manual removes the guesswork, using the same criteria Jim Thomas's lending partners actually work from.
My Credit Isn't There Yet: The Path From Denied to Fundable is built from Jim's recorded "How Funding Works" guidance for applicants who do not pass the credit test yet — the exact people the pre-qual funnel otherwise turns away.
Inside the manual:
- The criteria, plainly — both funding doors and their tests: startups (700+ at Equifax, Experian, and TransUnion, plus two years of U.S. tax returns showing $50,000+ of income) and existing businesses (about six months of bank statements: steady deposits, no NSFs, a balance that never hits zero) — plus a table that tells you which door is yours.
- Know your three scores — how to pull all three reports free, what to look for, and how to dispute anything that is not accurate, in writing, on the record.
- The fixes, in order — disputes first; every card below 30 percent of its limit; autopay the payment record into boredom; stop adding new accounts; keep old accounts working; collections handled deliberately.
- The rest of your file — the tax-return trap ("you can't tell the IRS you're broke and tell a lender you're profitable") and the three application killers that live in your bank statements, with the six-clean-months standard.
- The co-signer door — real, and a long shot: what a co-signer actually takes on, why they have to pass the same test, and the authorized-user variant assessed honestly.
- Mistakes that reset the clock — applying early and repeatedly, paid shortcut schemes, fixing one bureau, late clean-streak breaks, and the forgotten account.
- A month-by-month plan and three worksheets — credit file audit, six-month bank statement self-check, and a fundable readiness checklist.
Who this is for: anyone turned down for business funding over credit — gym buyers and owners especially, but the criteria and the plan apply to any small business applicant.
What this is not: This manual is education, not credit-repair services or financial advice, and it makes no prediction about any individual's score or application outcome. It teaches the standard, legitimate steps and the order to work them.
Details: 15-page PDF manual, delivered as an instant digital download after checkout.
Digital download: the PDF is delivered electronically after checkout (download link on the confirmation page and by email). No shipping applies. Questions before you buy? Call 214-629-7223.
