A free consultation: could the role fit you?
A 30 to 45 minute call after you share your report. No fee. No purchase required. Not credit repair. We go through what lenders look for, what your report shows, the role, the risks, the costs and the agreement. We assess whether the proposed role may fit your circumstances. Only lenders decide eligibility, approval amounts and terms.
Booking opens after we read your application and you sign the written permission for your report.
Until booking opens, we schedule with you directly once enrollment opens.
What we review
4 things, in one conversation
If a credit report is ever needed, we'll explain why and who sees it, and ask for your written permission first.
The report you chose to share
Read against the criteria below, only after your written permission.
Your application answers
Your goals, timing, business experience and any major loan you plan.
The role and the risk
What a personal guarantee means for you, in plain words, before anything else.
The agreement and the plan
Who the borrower is, your officer duties, the fee, costs, payments, reserve, reporting and exit.
Fit
What we look at when assessing fit, in plain words
These are the starting points we use. The final criteria are set with our attorneys before launch. Only lenders decide eligibility, approval amounts and terms.
Scores
A middle score of about 720 or higher on each bureau the planned lenders use.
Recent applications
Hard inquiries in the last 6, 12 and 24 months, per bureau, below set limits.
How much of your limits you use
Total card use under 30%, with no single card over 50%.
Payment history
No late payments in the last 24 months.
Serious marks
No collections, charge-offs, judgments or bankruptcies in the last 7 years.
Ability to pay
Your own pay from work, stated truthfully, supports the credit when a lender asks about it.
Your household
Your household agrees. That is a fit question, not a substitute for any spousal consent the law requires. In community property states, shared property may be exposed.
New accounts
No burst of recently opened accounts that issuers count against you.
Freezes
Credit freezes can be lifted before a funding round.
Bank account history
A clean record with the services banks use when you open accounts.
Identity and status
A US person with valid ID, not already a guarantor in another credit partner program.
Your state
You live in a state our attorneys have cleared for the program.
Outcomes
Our assessment takes 1 of 3 forms
We assess whether the proposed role may fit your circumstances. Only lenders decide eligibility, approval amounts and terms.
- 01
May fit now
In our assessment the role may fit you now. Next you get the agreements to review, at least five business days to think, and our recommendation to have your own attorney and tax adviser read them. Lenders still decide every application.
- 02
May fit later
In our assessment the role may fit once something you control happens first, such as recent inquiries growing older, lifting a credit freeze, or finishing a home loan already in progress. We tell you what and when. We do not sell or provide credit improvement.
- 03
Not a fit
We tell you in writing, with the main reasons. There is no upsell and no repair offer. We delete the report you shared when the period in your written permission ends.
The consultation starts with the interest form
Join the interest list now. When enrollment opens: sign the written permission, share your report, then book a time.
Status. Interest list only. Enrollment and credit applications are closed. The proposed program is under legal review and may change or may not launch.
- The lender can hold you personally liable for the debt. Read the risks
- BCP charges no enrollment fee. Possible costs, such as a credit monitoring plan or your own attorney, are disclosed before you incur them. Costs and who pays
- Read the draft agreement terms