Leverage
Academy

Build your credit. Fund your future. 🎓

leverageacademy.us/credit-report
Before Treatment
My Report
Credit Score
Payment History
Accounts
Inquiries
Public Records
Actions
Dispute Center
Score Simulator
⚠ 4 Active Issues Immediate attention required
Current Score · Jan 2024
524 FICO

Poor Credit

Most lenders will decline your application.
Interest rates are at their highest tier.

✕ High Risk · Approval Unlikely
Score Factors
Payment History61%
6 missed payments on file
Credit Utilization82%
Target: below 30%
Derogatory Marks4
Collections + charge-offs
Credit Age2.1 yr
Limited history
Approval Status
Mortgage (30-yr Fixed) Declined
Auto Loan 18.4% APR
Business Funding Declined
leverageacademy.us/credit-report
After Treatment
My Report
Credit Score
Payment History
Accounts
Inquiries
Public Records
Actions
Dispute Center
Score Simulator
✓ All Clear 0 issues · Approval ready
Current Score · Jul 2024 · ▲ +237 pts in 6 months
761 FICO

Excellent Credit

Top 22% of all consumers. Qualify for
best-in-class rates across all products.

✓ Approval Ready · Preferred Rates
Score Factors
Payment History98%
All accounts current
Credit Utilization11%
Well below 30% target
Derogatory Marks0
All disputes resolved
Credit Age7.4 yr
Strong established history
Approval Status
Mortgage (30-yr Fixed) Approved · 6.2% APR ✓
Auto Loan 4.9% APR ✓
Business Funding $50,000 Approved ✓

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Fix the profile blocking your approval.
Keep more buyers moving forward.
Turn borrowers into future approvals.
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