Know exactly where you stand.
Answer 10 questions in about two minutes. See your file the way a lender reads it, before you apply anywhere.
No hard pull. Nothing on your file changes. Your answers stay private.
Built by Jessica Coleman, founder of JC3. 13+ years in financial services and a U.S. Army veteran.
What your score reads
Nine factors, the same ones an underwriter reviews. Each one carries a weight, and together they add up to 100.
Your personal file
60 points
Payment history
Late payments in the last 24 months
Personal score
Your FICO score range
Card utilization
Your balances compared with your limits
Oldest account
How far back your history goes
Hard inquiries
Applications in the last 6 months
Your business file
40 points
Business entity
An LLC or corporation with an EIN
Business banking
A business account with steady deposits
Monthly revenue
Average business deposits each month
Business bureau file
Accounts reporting to the business bureaus
Question 10 asks what kind of capital you want. It shapes your plan, not your score.
How it works
- 01
Answer 10 questions
About two minutes. Nothing is pulled or reported.
- 02
See your score
Your score out of 100 and the range it places you in.
- 03
Get the full report
$37 one-time. Every factor explained, with your next moves.
- 04
Book a strategy call
30 minutes to plan the order and timing together.