What’s the recommended minimum number of tradelines to be funding-ready?
Which factor makes up the largest percentage of your FICO score?
Which scoring model do most lenders use?
What makes factual disputes powerful?
Which report pulls data from all 3 bureaus?
Which law gives consumers the right to request debt validation?
Metro 2 requires data to be:
A debt validation letter should be sent via:
What percentage of your FICO score is account age?
Which type of credit is revolving?
Which section of the report lists inquiries?
What is credit primarily used for?
Which is the best example of a factual dispute?
How long do bureaus have to respond to a dispute?
Public records may include:
FDCPA forbids collectors from:
Within how many days must a collector validate debt under FDCPA?
Which law regulates debt collectors?
Metro 2 disputes challenge accounts based on:
Which section shows length of credit history?
What’s the key difference between personal and business credit?
Ideal utilization for funding readiness is:
Sequencing disputes in rounds builds pressure on bureaus.
Which is included in a strong consulting upsell?
CROA allows guaranteed deletion promises if they’re in writing.
Payment history is the single largest factor in your FICO score.
5) Funding stacks rely on inquiry delays.
Authorized user tradelines can boost account age.
CROA requires at least a 3-day cancellation window.
FDCPA violations can result in statutory damages.
Post-funding upsells should be offered:
What is recycling credit?
Which card offers 0% APR up to 21 months?
FDCPA only applies to third-party collectors, not original creditors.
Metro 2 requires accuracy, completeness, and consistency.
A $500 balance on a $5k card (10% util) looks safer than the same balance on a $1k card (50%).
Post-funding consulting should be positioned as an investment, not a cost.
Smart deployment example?
Typical spacing between funding rounds?
Underwriters care more about structure than score.
Funding is a one-time event, not a cycle.
Business LOCs are safer for utilization than personal LOCs.
Chase’s 5/24 rule means no more than 5 new cards in 24 months.
Why is upsell timing critical?
What’s the difference between a PG and non-PG business card?
What’s the full cycle of funding?
Why is recycling credit important?
What’s the main role of relationship banking?
What’s the best utilization range to target for funding?
What does “funding spree” mean?
Why are credit unions considered Tier 3?
Which of the following are CROA compliance mistakes?
Which of these are approval triggers lenders like?
Closing old accounts usually lowers your score.
Underwriters think in terms of patterns, not emotions.
Which of the following are red flags to lenders?
Which are alternative lending methods outside of banks?
Which of the following is an example of a factual dispute?
How long do bureaus have to respond to disputes?
Lenders like to see consistent deposits in your bank accounts.
Which of the following is an example of smart vs. dumb capital deployment?
What are the 5 steps in the funding process?
What’s the purpose of a balance transfer strategy?
Which of the following are the 5 factors that make up a FICO score?
Why are post-funding upsells profitable?
Credit repair without profile building leaves you stuck with weak approvals.
Why does utilization matter more than total debt amount?
What’s the difference between a credit report and a tri-merge?
Amex business cards typically don’t report to personal credit.
Correct order of the journey?
Which product is designed specifically for credit building?
Onboarding should always include:
What’s the purpose of a balance transfer strategy?
Which is a Tier 3 institution?
Which is a red flag for lenders?
Tier 2 banks are generally:
Which is an unethical promise?
Which is a government-backed loan?
Why is account age important?
Which pricing model provides predictable recurring revenue?
CROA requires contracts to include:
Which is a lender approval trigger?
Why are business cards powerful?
Which business cards DO report to personal credit?
Ideal number of revolving accounts for strongest structure?
Why are business LOCs powerful compared to personal LOCs?
What’s the purpose of sequencing applications?
Which model is client-trust heavy but inconsistent revenue?
3) Why do funding stacks work?
Main benefit of 0% APR cards?
