Credit Readiness Tool

Credit Readiness Calculator

Turn report-level information into a preliminary, numbers-based action sequence. No fake point promises. No guaranteed deletions.

01 INPUTS→02 PLAN

Build your preliminary credit action plan

0 Your information

First name

Last name

Email address

Mobile numberUsed to identify your FundedCEO™ profile and deliver requested follow-up.

We ask for your contact information so we can save your result and connect it to your workshop seat.

1 Revolving credit

Total credit limitsAdd limits across all open credit cards.

Total reported balancesUse reported balances—not current app balances.

Monthly payoff budgetWhat you can consistently pay beyond new charges.

Highest single-card utilizationOne maxed card can hurt even when total usage looks acceptable.

2 Credit profile

Late payments (last 24 months)

Collections / charge-offs

Hard inquiries (last 12 months)

Oldest open account

Open primary accounts

Current FICO® score (optional)Educational scores may differ from lender-used scores.

3 Reporting conditions

✓ All accounts current

! Account currently late

No known report errors

Possible reporting errors

Calculated result snapshot

Completed at

Credit Readiness Index

Grade

Status

Utilization percent

Pay to reach 29%

Pay to reach 9%

Estimated months below 10%

First priority

Action sequence

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Your plan will appear here

Enter your report-level numbers. You’ll get payoff targets, a readiness grade, and the first action to take.

The blunt truth about credit-readiness calculators

No legitimate calculator can tell you exactly how many points you will gain. Your score depends on the complete bureau file, scoring model, reporting dates, and lender rules. This tool estimates what can be responsibly calculated from the information entered: utilization, payoff thresholds, time-to-target, potential risk flags, and action order.