10/06/2026
π¨ BEFORE I CHECK A SCORE, I CHECK THIS ππ½
A lot of professionals send me clients with a credit score⦠but no context.
The problem? π
A 720 score doesnβt automatically mean a fundable profile.
One of the FIRST things I look at is credit utilization.
β High balances can signal financial pressure
β Maxed-out cards can weaken an otherwise solid profile
β
Low reported balances can show better credit management
Lenders donβt just read the NUMBER.
They read the BEHAVIOR behind the number. π
Thatβs why before we start talking about applications, we look at the complete structure.
ποΈ STRUCTURE FIRST.
π° CAPITAL SECOND.
π WEALTH LAST.
π€ Tax Pros
π€ Credit Specialists
π€ Realtors
π€ Lenders
If your clients are already asking you about funding and you want a credible place to send themβ¦
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