Your file today
Use your most recent report or app. If you are not sure, pick "Not sure" and the plan starts with finding out.
EXAMPLE LOADED: a 640 file, 55 percent used, one late payment, mortgage goal. Change any answer to make it yours.
Balances owed divided by total limits.
Negatives on the file
Saved on this device as you type. Nothing is sent anywhere.
What goes in the folder first
A banker does not fix everything at once. They fix what the file is read on first. Three moves, in order.
Score band620 to 679
Action file
What a banker reads first
The five factors every lender weighs, ranked for your file and your goal. The top line is where your file is being read the hardest right now.
Your credit for assets rule
One line, your words. Ash's version: "Credit is a tool I use to buy things that pay me. It is not a paycheck."
Want Ash's team to read the whole file with you?
The Abundance NOW Accelerator walks all nine steps of the Banker's View. Credit is step four.
Back to the Accelerator tools