Let me tell you something that many people don't realize when they are looking for money.

Walking into a funding sequence using a free app score is like using a toy thermometer to check if you have a real medical emergency.

I will always say that your business should have its own credit history. That will never change. However, there are new or early-stage start-ups, that will still need their personal credit to get quick funds.

I know it feels good when you log into Credit Karma and you see a 740. That's enough to be encouraged to apply for a $100,000 unsecured cash loan.

What's messed up, is you might have a 680.

Please consider the following when dealing with these "free" apps:

~They use VantageScore which weighs data points entirely different from FICO. It's much more forgiving, pumping scores 40 to 60 points passed the truth. People get excited and start clicking the pre-approval adds they see on the screen.

THESE CLICKS ARE HOW THE APPS MAKE THEIR MONEY. They are affiliate marketing engines. They wouldn’t make any money giving you the cold hard data.

~Over 90% of real underwriters ignore this score. They use FICO models 8 or 9.

~ These "free" apps mostly track 2 of the major bureaus, usually TransUnion and Equifax. The Experian report may be a hot mess, and the free app won't pick it up, but the lender definitely will.

Now, I will say there are a few exceptions. There are some of those free apps that use a Base FICO score, however again, underwriters don't use that for unsecured capital. Depending on what you are applying for your FICO Bankcard Score will be considered.

Think of the Free App credit scores as the dolled-up versions. The FICO scores especially the FICO Bankcard Score is what it looks like right after waking up BEFORE the makeup goes on!

Please think of these things before applying for credit or funding. 🙂

Quote of the day

‘The most dangerous form of blindness is believing that your perspective is the only reality.’

-Friedrich Nietzsche

A lot of great relationships have been ruined this way. Speaking from experience.

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Thank you.

You are still here, and I am very grateful. I hope this newsletter is useful to you. If you have questions, please don’t hesitate to reach out. Enjoy the rest of the week and have an even better weekend!🤗

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