Credit Readiness Checklist

Credit Readiness Checklist

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Name

First NameLast Name
Email
example@example.com
In order to complete Readiness Assessment you must first pull your Credit Report!

Pull Your Credit Report Here For $1
Use this Section to assess Your Current Credit Status and Set Your Goals.
Pulled all three credit reports
Know my current credit scores
Reviewed my reports for errors
Created a secure folder for my financial documents
All payments are current
No accounts are 30+ days late
Set up automatic payments or reminders
Caught up on any past-due balances
Credit card balances are below 30%
Working toward keeping balances below 10%
Avoided maxing out credit cards
Paid down revolving debt this month
Identified all collection accounts
Verified each debt belongs to me
Reviewed reporting for accuracy (collections)
Created a plan to resolve or dispute inaccurate collections
Reviewed all charged-off accounts
Verified balances are accurate (charge-offs)
Confirmed reporting complies with credit reporting standards (charge-offs)
Developed a strategy before making payments (charge-offs)
Have at least one revolving account
Have at least one installment account (if appropriate)
Avoid opening unnecessary accounts
Reviewed recent inquiries
Removed any unauthorized inquiries (if applicable)
Avoided applying for unnecessary credit
Personal information is accurate on all credit reports
Addresses and employers are correct
Fraud alerts or freezes are in place if needed
Started saving for a down payment
Life Protection Policy in Place
Calculated my debt-to-income ratio
Gathered proof of income
Filed my most recent tax returns
Established a monthly housing budget
Business is properly registered
Obtained an EIN
Opened a business bank account
Separated business and personal finances
Started building business credit
Checked my credit score
Reviewed all account balances
Paid every account on time
Kept utilization low
Avoided unnecessary credit applications
Updated my financial goals
Write Down Any Collections Here:
Write Down Any Charge offs Here:
Write Down Any Credit Card Balances that are over 20% Utilization
Write Down Any Accounts With Late Payments Reporting In The Last 2 Years.
Credit Goals

What Goals are you putting in place for your credit to ensure you are Credit Ready?
Goal #1
Goal #2
Goal #3
Current Credit Score
Goal Score
You plan to reach your goal score by what date?

MonthDayYear
2 digit month, 2 digit day, 4 digit yearDate
Should be Empty:

Credit Readiness Checklist

Credit Goals