Users › Marcus T.

Marcus T. User #LG-7412

Funded
SC
Anonymized Credit Snapshot
Per FCRA & partner agreement: SSN, DOB, full name, street address, account numbers, and creditor names are redacted. Aggregate credit metrics, financial health, and program outcomes are visible.

Recommended Programs What this user qualifies for

Pre-qualified

Credit Card Program

3 issuers · best 0% APR 18mo
$50,000
View Details →
Funded

Personal Loan Program

9.4% APR · 60 mo
$25,000
View Details →
Denied

Business Loan Program

Insufficient business history
—
Retry in 6 mo →
MT
Marcus T.
Signed up via your link · Mar 12, 2026
CREDITPATH-Q2-LP1
Full Nameredacted
Emailm●●●●●●@●●●●●.com
Phone+1 (●●●) ●●●-2814
SSNredacted
Date of Birthredacted
AddressPhoenix, AZ
EmploymentSelf-employed · 4+ yrs
Stated Income Range$75k – $100k
Attributionutm_source=creditpath
Credit Summary
Vantage 3.0 · Updated Apr 28, 2026
via Smart Credit
724
Good
Credit Age
11y 4m
Utilization
22%
Highest Rev Limit
$35,000
Tradelines > 30%
1
Open Accounts
9
Inquiries (24mo)
3
Derogatory
1
On-time %
98%

Account Types

Categories only — creditor names & account numbers redacted
9 open · 4 closed
Revolving (Credit Cards)
3 accounts · Avg utilization 28% · Highest limit $35,000
$24,400 / $87,000
Balance / Limit
Auto Loan
1 account · Status: Current
$18,240
Remaining balance
Mortgage
1 account · 8y 2m old · Current
$214,800
Remaining balance
Installment
2 accounts · 1 closed
$6,100
Remaining balance
Derogatory Remark
1 collection · Originated 2022 · Aged off in 12 months
$420
Disputed

Solutions Center · Remarks

Active credit factors affecting this user's score
View in Solutions Center →
Remarks
Total Credit Utilization Mid Impact
Currently 22% · Optimal target below 20%
Derogatory Remark Mid Impact
1 collection from 2022 · disputed · ages off ~Apr 2027
Highest Revolving Limit Low Impact
Highest rev. credit limit $35K · Threshold $40K+
Inquiries Low Impact
3 hard pulls in past 24 months · Healthy threshold < 5
Positive Remarks
Low Inquiry Count
Individual Credit Util Resolved
Strong Mortgage History (8y)
On-Time Payment > 95%
Mixed Credit Types (4)

Financial Health Income & cash flow signals · Self-attested + Plaid verified

Verified May 02, 2026
Income · 2025
$112,300
↑ 16.4% YoY
2024
$96,500
Avg Monthly Deposits
$9,840
3-mo trailing
Feb · Mar · Apr
Avg Balance · 90d
$14,200
No NSF events
Min balance (90d)$3,640
Overdrafts0
Debt-to-Income
28%
Healthy (<36% target)
0%36% target50%

Services Subscribed

Active LendingGenie products on this account
Lending Genie Pro Active
$24.99/mo · Subscribed Mar 12, 2026 · Renews May 12
$74.97
3 mo paid
JumpStart Add-on Purchased
One-time · Mar 18, 2026
$99.00
paid
BOFA Upsell Purchased
Business Optimization Funding Acceleration · Apr 02, 2026
$149.00
paid
Credit Optimization Coach Not subscribed
Recommended · Could lift score 30–50 pts
Suggest →

Program Outcomes · Detail

2 qualified · 1 denied
Personal Loan Program Funded
Approved $25,000 @ 9.4% APR · Funded Apr 18, 2026
$25,000
via Monevo
Credit Card Program Pre-qualified
Up to $50,000 across 3 issuers · Not yet applied
$50,000
limit available
Business Loan Program Denied
Reason: Insufficient business credit history (< 24 mo)
retry in 6 mo
recommendation
Total Commission From This User
$312.50
$62.50 cleared · $250.00 in 60-day hold (releases Jun 17, 2026)
SUBSCRIPTION
$15.00
JUMPSTART
$19.80
BOFA
$29.80
FUNDED DEAL
$250.00
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