Fundability Score

See how lenders are likely to view your credit profile, what's holding it back, and a rough range of new credit it could support. Loaded with an example profile. Replace it with your own numbers.

Client

Your name Optional, used in the copied summary

Score model for fundability Most lenders pull FICO

Utilization & limits

Total revolving limits

Total revolving balances

Highest single-card utilization

Highest single card limit Lenders often match this

Open revolving accounts Primary, in good standing

Overall utilization: —

Credit age & mix

Open installment loans Auto, student, mortgage, personal

Oldest account Years

yrs

Average age of accounts Years

yrs

Recent activity

Hard inquiries Last 6 months, per bureau

New accounts opened Last 12 months

Payment history

Late payments Last 24 months

Open derogatories Collections, charge-offs, public records

Income (optional)

Annual gross income

Monthly debt payments Minimums, loans, housing

Debt-to-income: —

—

FUNDABILITY / 100

—

Est. new credit range —

Credit score estimate

Fundability breakdown

What to fix first

FICO and VantageScore formulas are proprietary. The estimates use each model's published category weights and typically land within about 30 points of the real score. Always confirm with an actual pull.

The fundability score is a rule-of-thumb model built from common underwriting guidelines, not any lender's actual criteria. Use it to prep and prioritize, not to promise approvals.

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