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Because lenders no longer approve based on credit scores alone, considers many other factors similar to how banks and credit card providers make decisions about your creditworthiness. Then you will instantly be matched to Lenders who will accept your unique financial scenario for autos, homes and even personal loans for weddings, cosmetic procedures, exotic vacations and more!

Everyone who uses gets approved for some type of new credit. In fact, during your first visit, you will receive a username, sent via email or text message... Your choice. You will be able to set your very own pass code so that at any time you like, you can come back and see if your CreditColor has changed or simply to find the right loan with the right company, without the haggles of yesterday's lending practices, because in today's market, lenders no longer approve based on your credit score alone.

There are several things that lenders are looking for in today's market that they did not always take into consideration in the past. With the current financial climate ever changing and migrating into the immediate future as a permanent shift or trend, it has evolved into a mandatory protocol for several financial markets, from business and personal loans, home loans, auto loans, and even credit cards!

For those of you who like to keep it simple, trust in our proven technique that the major corporations are calling a "Much needed shift in the Credit Scoring Industry..." and spare yourself from having to read all the intricate details. But for those of you that don't want to go through life not knowing how things work in the lenders world, and how all that you do, affects your current CreditColor, read on! We promise to keep this simple to understand, so that even a child could comprehend what we are about to share with you. And by the end of this article, you will be one enlightened consumer.

Now among a few of the things that have come under closer review in today's financial climate, and also simply understanding why it can be very difficult to get a loan even with good credit is getting a grasp on the following. The market isn't dead; it just tightened up its lending belt.

But before we dive right in, the main thing to always remember is that banks want to issue loans, but that will be repaid to them in any financial climate. So don't worry about what we are about to disclose to you as, CreditColor is here only to help!

You see before a lender will issue you a loan, you will be required to complete a loan application. This application will include information about your financial picture and will allow that creditor to access your credit report, among other things. Keep in mind, that today's lender wants to give loans that have a high probability of being repaid, so they will carefully scrutinize every application that hits their desk.

Each application is carefully examined for a variety of financial factors before making a decision you approve that application. That's what all consumers are up against in today's market. The biggest problem is that if you apply for the wrong loan, and get shot down, it has the potential to change your credit scores. At, we help eliminate that by allowing our partners, also known as creditors, to select the CreditColor that they will most likely approve, eliminating the frustration of the rejected loan for you. It's that simple.

Creditors use to use your credit score as the main factor in determining whether or not to offer you a loan, and that still hold true. However, thing have tightened up, pretty much straight across the board. Your credit score is of course calculated from information provided from your credit report, which does include the history of how you have paid on your financial responsibilities. Typically credit scoring systems basis their algorithms on 35 percent of your score on the history of when and how you pay, 15 percent is based on length of time that you've used credit, 10 percent on the forms of credit you have, 10 percent is based on how much credit you've applied for lately, and 30 percent is based upon on how much money you owe to current creditors.

Debt-to-Income Ratios
When lenders provide loans, they want one thing mainly, and that is to know that you can pay back your loan. This means that you will need to have the financial resources to repay your loan. These lenders will typically use two debt-to-income ratios, which are called the front-end ratios and the back-end ratios. The front-end ratio will compare the loan payment to your income while the back-end ratio will compare your overall total amount of debt payments in comparison to your income. The lower that your debt-to-income ratios are than the better your chances of being approved for your new loan will be. By using our system here at CreditColor, you will be eliminating the endless search and guessing game that you play with lenders. You will know right from the start, what your CreditColor is and who will accept your CreditColor. Simple, right? Well, if you don't know your CreditColor by now, what are you waiting for?

Potential lenders will take into consideration, your financial stability as another part of the approval process when they are deciding to approve your loan application. These lenders will want to know the length of time that you spent at your current job, and the length of time you've spent at your current residence. They will also ask you if you rent or own your home that you're living in now. The longer you've been employed with your current employer and the longer that you've lived at your current address, the more stable you appear to them while they are in their decision making process. The lender will also be looking at your assets to determine if this loan request is a desperate move or if you have ample financial reserves on hand.

The lenders are more likely to give you credit if you secure the loan with some form of property that you own. Collateral is usually requested with poorer credit scores, larger loan requests or both. More common collateral forms include cars for auto loans and property for mortgages and home equity loan types. Just remember that collateral that you secure the loan with can be taken if you fail to repay the loan at any time.

Banks also tend to lend out more money when more money is being deposited in the savings accounts at the bank. Some factors can determine if a lender is willing to give you a loan that you may have zero control over, such as if the credit is tight. Lenders then may have more stringent requirements imposed, such as lower debt-to-income ratios or higher credit scores. But, on the flip side, when more credit is available, those same creditors are more liberal with the money that they lend out.


Here are some tips that will help you improve your financial outlook, especially if you want to improve your CreditColor to buy a home.

First of all, have a reasonable goal in mind. If you are working with a real estate agent already, they can help you discover what the maximum monthly amount is that you can comfortably put aside for your new home loan, your taxes that will be involved, which insurance plan will typically work best for your unique scenario and last but not lease how much you will need to set aside financially for standard maintenance.

Your new mortgage lender will also help you understand the maximum loan amount that you qualify for currently. Your lender will want to know what your financial situation is, so you will need to explain any current or pending positives to your financial situation, such as a new source of income or an expected raise.

Next, you'll need a plan to start saving cash for your down payment, so find a good source of added income. A second job works well usually, and streamlining your expenses is always a winner!

Once this plan is working for you, you will be able to formulate how much money you want to save each month then the timeline until you have your down payment. Now is also a really great time to plan when you should apply for your home loan, which should be around the goal down payment date.

Other things that you can do to eliminate debt, would be to pay down your credit cards and downgrade to a less expensive car or pay down or refinance your car loan. If you are finding it extremely difficult to eliminate debt, maybe you should consider consolidating your debt? This is often a good solution to get your monthly payments lower. Not only will eliminating debt give you extra money to save on a monthly basis, it improves your CreditColor overall.

Alternative funding options to consider while talking with your real estate agent, such as if you're a veteran, you may qualify for a Veteran's Administration loan without a down payment or you may qualify for a balloon mortgage, which has lower monthly payments for a specified period of time.

If your there or almost there, start looking for a home for sale. You may even find one with an assumable mortgage with a good interest rate. With an assumable mortgage, you'll take over the payments and interest rate and pay the difference between the selling price and the remaining amount owed on the loan. You will still have to qualify for this particular type of loan, but a good interest rate could give you a better chance of qualifying.

Try to select a less expensive home, so give yourself plenty of time to search. Remodeling maybe a cash saver, but not always... Buyer beware is the best advise here. A home with a little less square footage than you fist wanted is an often a great reducer in cost as well. Once you're settled, you can start to plan your next move, save money and get ready to upgrade to the home of your dreams then. Buying or selling a home will also give your CreditColor lift and get prepare you to qualify for an even larger loan than your first loan.


Obtaining an auto loan is much easier than buying a home. Car dealerships work with you typically with all forms of credit. You usually get the car that you expected, you usually just end up paying more than you expected. Auto dealers are in business to sell cars, so they will work with you, because it's in their best interest! But if you're looking for a great interest rate, you need to have your game tight. That means that your level of responsibility with your personal finances must be maintained properly, which is reflected only in your CreditColor.

If you have established good to excellent credit, then you should have no worries; otherwise prepare to find a co-signer. People with zero to little credit can typically get a car loan, even in today's economy, but they'll need someone to agree to co-sign for the vehicle first and/or need to put a minimum of 30% down and of course you will be paying a high interest rate.

Let's say your credit is poor... You will need to pay your bills in a timely manner, and then even with that, it can take a minimum of six months for your CreditColor to change with the lines of credit you've obtained to benefit you properly.

Before applying for an auto loan, any payments that you have that have been late or missed altogether, will take about six months to cycle off your CreditColor as well. Remember that the lower the cost of the car that you select, the lower the loan amount, the higher the chances you will get approved.

Try to negotiate the price of the automobile that you're BEFORE agreeing to fill out an application or you can apply any cash-back amounts towards your down payment or trade-in value. Get Creative with your down payments and trade-in(s) if possible, which always helps your situation.

Also, many auto manufacturers advertise specials, rebates and offers that are put right into your own account at for you to view, so the secret is to check back frequently, and see what you've been matched to.


Financial Help Is Available when your starting a New Business, but first you must understand how to get a business loan approved. Business startups need a minimum of $5,000 to around $50,000 to get started. Even if the economy is up, lenders are careful about lending money to new businesses, because most new businesses typically fail within the first five years of business. Businesses that are established need capital to keep their doors open, yet they too, seem like a risk to lenders. Lenders will carefully review your chances for failure before making any decisions.

In general, the bulk of lenders use a process that is somewhat automated to evaluate most loans processed, especially when they are under $250,000. Your CreditColor is always the fastest and most accurate way to get a loan, because with you're CreditColor, all you need to do is see who funds that particular color by logging into your personal account that you created. CreditColor will do the rest.

A good business plan will project your financial details, marketing plans and the reasons your business will be successful. You must be prepared to show your numbers. Your business plan should also detail precisely what you plan to do with the loan. Detail exactly how it will raise your business's portfolio and also detail any repayment plans.

You must also show the potential lenders any documentation of your income, expenses, cash flow, and other financial data that may be necessary to secure your business loan. Pending good credit, your potential lenders will look into your business like a scientist looking under a microscope, so be prepared for this as well.

Think about any questioning that may come to play, as you'll need to show why you're qualified in your industry. This is a great time to feature partners or employees who handle certain areas that may not obviously be your strengths.

Be further aware that while the Small Business Administration does not loan out any money, it does insure loans for businesses, giving potential lenders more security to know they have less risk involved. However, keep in mind that you must be able to furnish a minimum typically of three years business records for the SBA.


A good deal of financial institutions, still offer a variety of consumer loan products that serve different purposes. Secured loans have collateral, such as homes, boats or cars. Unsecured loans range from personal loans, frequently referred to as signature loans, student loans or credit cards. Even if you have no collateral can qualify for a personal loan and use the funds for their own needs.

Also, know that personal loans do not dictate usually how you must use that particular line of funding. You may apply for a personal loan when you find yourself in a difficult financial situation. You may even use the proceeds to pay off or consolidate other debts that you currently have. For example, sometimes you need to have repairs done to your home but you don't want to go through the timely loan process of a home equity loan. You may just want the funds to buy new appliances or a certain high priced item, or even to go on an exotic, well deserved vacation, and this is understood by all lenders. So again, lenders understand you're your signature loan does not limit how you will use it.

The loan process for your signature loan will not vary however from any other form of loan. You must make contact with the financial institution to request a loan, and using CreditColor makes that a simple process for you. Just complete the lender's application by providing your personal information, including employment and income details on our secure server. Your new lender will typically request to see copies of your paycheck stubs or tax return forms for income verification, so be prepared to furnish that. The lender will still pull a copy of your credit report to review your current and past credit history. The main purpose of knowing your CreditColor is so that lenders can be matched to you and you to lenders, with minimal loan denials involved, which even with one, can cause your credit scores to drop and your CreditColor to change. That lender will evaluate all the details of your application to determine your creditworthiness before they issue the actual loan.

Personal signature loan terms also can vary from one financial institution to another. Interest rates with these types of lenders will generally be higher than a collateral loan because they are considered a higher risk. They also depend on your CreditColor.

But be warned, you must be aware of personal and signature loans offered by small, "payday loan" type companies. They will target you because of your financial problems then offer short-term loans for a fee. The fee appears small at first but it can quickly turn into as much as 300 or 400 annual percentage rate (APR). This typically happens if you are unable to repay the loan within the period of time agreed upon. The lender then typically extends your loan, most often doubling your fee. This is how you will end up owing a great deal more in fees than the principal amount you originally had borrowed from them.

So read on, and learn the trick of the trade, so that you can apply for an unsecured personal loan. Even if you have bad credit, just by knowing your CreditColor, an unsecured personal loan could help raise your credit score and change your CreditColor.

By knowing your CreditColor, it makes it much easier and faster for you to get an unsecured loan at a lower fixed rate, even if your credit rating is bad.

In fact, unsecured personal loans are for people who have bad credit for the most part, and before you apply for any loan you should know your CreditColor. This helps the lender make an immediate assessment on your financial situation when determining before determining whether receive the loan or not.

If you are applying for an unsecured personal loan, you most likely have bad credit, so be prepared to explain to the lender what caused your credit to plummet. A lender wants to see that you at least know why you have bad credit and how you plan to fix it, so you should be honest with them, to help you secure your new loan.

You most likely will need to have a cosigner help you as well. If your credit history is filled with late payments it will not only be beneficial for you to have a cosigner on the loan, but it may also be mandatory either with that lender or all lenders until your CreditColor changes. It's also a really good idea to make sure that your cosigner has good credit before you ask them to cosign on the loan, so invite that person to CreditColor and find out what their CreditColor is first. The right CreditColor for your cosigner will greatly increase your chances of receiving an unsecured personal loan.

You may still be able to qualify for a loan, even if you have poor credit and have made mistakes in the past. Lenders will provide an unsecured personal loan for most CreditColors, taking into account, your payment history and your debt-to-income ratio, but there are also many things that you can do to change CreditColor as well.

First you'll need get a current copy of your credit reports from Equifax, TransUnion or Experian and then go over each entry very carefully. Then you can dispute any mistakes that you see with the reporting agency and also with your creditor. Removing incorrect information from your credit report can significantly improve your credit rating and your CreditColor will change. So make sure that once your disputes are removed permanently, you revisit the quiz and see where your CreditColor is now.

If you're having serious trouble meeting your financial obligations now, you most likely can't afford to make the payments on an unsecured personal loan for bad credit and lenders aren't stupid. So whether you like it or not, it's probably a really good idea to get current on any of your bills that you are behind or getting behind on. So set a goal, for the next six months at least that you will pay all of your bills on or before they are due, especially if your credit is not up to par.

Maybe now is a good time to set a budget to reduce your monthly expenses if you can and/or increase your income by taking on a second job or bringing in some extra cash flow from getting creative, until you can make the payments without struggling. If you add up your monthly expenses and then deduct them from your income, you will have a pretty quick view of where things are at financially for you. That's when you can create a budget of how much additional cash flow you must have each month to service your unsecured personal loan, so that you can breathe.

Some other things that you should take into consideration are why it is that you are seeking an unsecured personal loan. For example, if you're a student, you may qualify for student loan through the federal government, like FASFA or a Pell Grant. Maybe there was a natural disaster that caused your financial turmoil; there are natural disaster and emergency government loans that you could qualify for as well. Don't forget that we talked about SBA loans for small businesses. So, get create when and if you can.

We recommend that you take some time and read the fine print carefully on any loans that you except, whether it's at our site or another.

Make sure that you really get all the fees that are associated with your unsecured personal loan before you sign on the dotted line, and that include knowing how much your payments will be and that you can service your loan with your current income.


The collateral free signature loan is typically given by banks and other lending institutions and depending on your CreditColor, often range from a couple hundred dollars to over half a million. Keep in mind that you can expect higher interest rates than on a secured loan because you're not using any collateral. On the flip side, they don't carry the risk of a collateralized or secured loan so you can't lose your property.

If you want a lender to except you, keep in mind that they are looking for people with good to excellent credit, so make sure your credit is on track. The best rates and the quickest and easiest funding, come when your CreditColor is Blue. Based on your CreditColor, you will see the appropriate lenders offering signature loans to you in your account with CreditColor, and then you will know that you are most likely qualified for that particular type of funding.

The CreditColor acceptance varies on a signature loan, and lenders are free to accept whom they choose, so don't be surprised if you see a match here at and your credit is standard. It can happen to you.

But if it doesn't happen for you right away, it shouldn't take long to get things straight financially, if you develop a good plan and get serious about making changes.

Your potential lenders are looking for not just a credit score of 620 on the average and higher, but also a stable employment history with enough income flowing in your direction to justify your loan. Ideally, your debt that you have existing should be no more than 30 percent of your available credit being used.

You should also not have any recent bankruptcies, judgments or foreclosures, which speaks volumes to the potential lender that you have some major outlying financial problems.


If your CreditColor is ___________. An unsecured credit card could help you change your CreditColor while making it more convenient to make purchases and to pay your bills.

Unlike a secured credit card, where you must deposit funds before your card is activated and ready for swiping, an unsecured credit card doesn't require any pre-funding.

The Federal Trade Commission warns that secured credit cards typically do not report to the credit bureaus nor do they have to, and these types of cards also cannot help you change your CreditColor. The good news is that CreditColor has partners that can help you no matter what your CreditColor is typically, so don't worry. Your lender will fairly evaluate your work and residence history along with various financial assets and deficits as well, and despite your financial situation if it's poor, still may offer you unsecured credit card.

We partner with credit card companies that except all CreditColor, they determine the CreditColor(s) that they are willing to accept, and some of those specifically cater to individuals with only perfect credit, some only deal with minor credit problems, but mostly good credit, and a handful take on bad credit problems.

You can get an unsecured credit card easily with the right CreditColors. In fact these are how most credit card lenders operate. Your CreditColor is how the lender determines the amount of credit to assign to you and also how much they should charge you in late fees and high interest rates.

So, first you will want to focus on a few things that can help you change your CreditColor.

Start by taking a look at your overall financial portfolio. Are there any small debts that you can pay down or off? What about high interest accounts? Visit us often to see if your CreditColor has changed and what lenders have gathered interest in providing you with credit.

When you see credit card lenders lining up, choose wisely. But a lower credit limit is what most people get assigned at first, so instead, concentrate on any hidden charges and the annual percentage rate (APR) and the card that offers the lowest rates, and then all you have to do is select the best unsecured credit card for your needs.


Your CreditColor is the fastest and most accurate way to get an approval on your loan, because with your assigned CreditColor, all you need to do is see who funds that particular color by logging into your account. As long as you update any financial changes that has occurred, positive or negative, you will always know what your real CreditColor is, and know who is matched to your CreditColor, by the CreditColor(s) that they fund. Remember, that even if you think nothing's changed but time, that can actually bring your CreditColor to a different level as well, because lenders look for stability, and one of the factors is time at residence and time on the job.

We will help you slide into the CreditColor together as one solid team, so visit us often to see if your CreditColor has changed and what lenders have gathered interest in providing you with credit.

It's really that simple... So log into your account that you've created, and see what new lenders that you've been matched to, only at

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