Solutions / Credit Analysis
Understand Your Credit Profile at a Deeper Level
Your credit score is only the beginning. Valens Capital examines the specific factors lenders evaluate when making funding decisions — presented in a clear, actionable dashboard.
Get Your Credit AnalysisSample
Funding Readiness
Overview
78
Readiness Score
Funding Potential
$65K–$95K
Lender Matches
14 banks
Utilization
-31%
Profile Status
Optimized
Projected Improvement
Projected estimate — not guaranteedWhat We Examine
Every Factor Lenders Actually Evaluate
Credit Utilization
Overall and per-account utilization across all revolving accounts.
Account History
Age of accounts, payment patterns, and credit history depth.
Revolving Capacity
Total credit limits, primary vs. authorized user distinctions.
Inquiry Analysis
Recent inquiries and their potential impact on new applications.
Derogatory Review
Collections, charge-offs, and negative items across all bureaus.
Bureau Comparison
Cross-bureau analysis to identify reporting inconsistencies.
