CreditDoc

CreditDoc printable resource

Printable Loan Readiness Checklist

Use this worksheet before applying for a personal loan, business loan, credit card, debt consolidation loan, SBA loan, or cash-flow product. It is a preparation aid, not an approval estimate.

Identity and contact details

  • Government ID is current
  • Current address is consistent across documents
  • Name variations are understood before report review

Credit report review

  • Official credit reports pulled
  • Late payments reviewed
  • Collections reviewed
  • Balances and credit limits checked
  • Unrecognized accounts marked for follow-up

Income, debt, and budget

  • Income documents gathered
  • Monthly debt payments listed
  • Rent or mortgage payment listed
  • Estimated new payment tested against budget

Business funding documents

  • Recent business bank statements gathered
  • Deposits and balances summarized
  • Business tax or financial records available
  • Use of funds written clearly

Denial follow-up

  • Adverse action notice saved
  • Denial reasons copied into notes
  • Credit report items matched to denial reasons
  • Next application paused until missing items are reviewed

Safer next steps

  • Used the denial checker if recently declined
  • Reviewed business readiness if applying for funding
  • Checked MCA repayment pressure if considering fast funding
  • Used official sources for reports, complaints, or fraud issues

Notes before applying again