Hey Reader, Something about the credit and funding industry frustrates me. People are spending too much money buying credit products and applying to banks without really understanding what they’re doing. Or, worse, paying a 10-20% success fee on what they get you approved for, like they have a special approval button you don’t! And I get it. There’s so much information online that it’s hard to know what’s actually worth your time. That’s why, when I find useful funding information, I want my...

Hey Reader, Here’s something I wish more people understood about getting funding. A good credit score doesn’t automatically mean a bank will approve you. I’ve seen people focus so much on getting to a 700 or 750 that they overlook everything else. But banks may also look at things like: Your credit history. Your current balances. How recently you’ve opened accounts. Your existing credit limits. Your income or business revenue. And whether your overall credit profile fits their lending...

Hey Reader, I’ve been thinking about something lately. A lot of people are working really hard to improve their credit. But here’s what I’ve noticed after years of helping people with credit and funding… Most people aren’t lacking effort. They’re lacking a plan. They don’t know what to fix first. They don’t know what banks are looking for. And they don’t know whether the steps they’re taking are actually moving them closer to their goals. I know what it’s like to have to rebuild. And I know...