PRE-QUALIFICATION

All potential clients must be pre-qualified before applying.

You must provide a triple-bureau credit report for review.

Documentation must be submitted to Conscious Enterprise, Inc. To submit documents, use the secure upload form below or fax them to (413) 826-3583.

To obtain your triple-bureau credit report with scores included, visit www.identityiq.com or www.privacyguard.com and create an account. Each company offers a $1 credit monitoring trial. You may cancel the service before the free trial expires if you do not want to continue with the service after obtaining your credit report. We also accept tri-merged credit reports from other credit monitoring sites. Scores from Credit Karma are not accepted.

Once your credit profile is approved, you will be contacted immediately to review the next step in the loan process, answer any questions, and assist you with submitting your application package.

What are we looking for during the pre-qualification process?

  • 650 credit score (all 3 bureaus)
  • 3 primary trade-lines
  • Trade-lines have at least 6 months of history
  • No late payments within the last 12 months
  • Credit Utilization under 50%
  • No new collection accounts in the last year
  • Bankruptcy must be at least 2 years old