Frequently Asked Questions
Choose common questions from the list below:
- What do I get by using Your Program and Services?
- What is Actual CreditWorth®?
- Can I really find out if I will get approved before I apply?
- Can I use my Actual CreditWorth® Grade to get a Loan?
- Why so many questions on the form?
- Can I start and stop or do I have to finish the entire application?
- Why is it important to have an ACW Grade of AAAA?
- How can I change my Grade... and make it Higher?
- How it works
What do I get by using Your Program and Services?
ANSWER
You get answers about how likely you are to be approved for financing. Any type of financing. You
also get an Actual Creditworth® Grade which is how you are truly viewed by lenders. You get the
inside story and scoop about lending. Click to receive a sample grade page that show you what you
will receive when you have completed 'The Analyzer'. Sample Grade Page
What is Actual CreditWorth®?
ANSWER
Actual CreditWorth® is both the name of the company and part of the grading system we use. In addition to your Creditworth®, we provide the answers you are looking for when you are applying for any type of financing. You can get these answers quickly, privately and anonymously by using our Underwriter Fighter® Credit Analyzer.
UnderWriter Fighter® is our proprietary software that creates this Grade and enables you to see an accurate reflection of Your creditworthiness, like a good underwriter would see it.
We strongly believe that you should get the answers you are looking for before you go through the expense and potential embarrassment of applying for any type of financing WITHOUT knowing exactly where you stand BEFORE you apply. Don't you think it's a good idea to know exactly where you stand before you go about providing all sorts of personal information to a lender who may turn you down? You need to be empowered to negotiate the terms of your financing whether it is a home loan, mortgage, car loan, credit line, equity line or any other type of financing you may be applying for.
It's like going in for a checkup 'before you go to the Doctors'.
Can I really find out if I will get approved before I apply?
ANSWER
Yes. Our Underwriter Fighter® Credit Analyzer gives you the knowledge
you need before you apply. You will be able to see how you will
be reviewed by the bank or finance company BEFORE you apply for
financing. This is very empowering. For example if you should
qualify easily without any difficulty, our program will tell you
so. With this knowledge you can use to negotiate a better loan. Many
times consumers do not stick to their guns in the negotiation
process because they have been convinced that they are not as
creditworthy as they really are. Many times these same folks
end up getting loan terms that are not as favorable as they
should be. This need not be the case anymore.
Can I use my Actual CreditWorth® Grade to get a Loan?
ANSWER
Not directly! We believe the questions within UnderWriter
Fighter® Credit Analyzer are part and parcel of any serious loan decision, and
represent a consolidation of the same process any serious
institution goes through before giving a loan.
What you will get is a very accurate assessment of your
CreditWorth® and the answers to all the questions you may have
in terms of applying for any financing with our UnderWriter
Fighter® Credit Analyzer. Sample grade page. You will receive a
likelihood grades for any type of financing. Grades will be
between "highly unlikely" to "highly likely". Additionally you
will receive an Actual CreditWorth® grade. You receive all of
this when you finish the Underwriter Fighter® evaluation. It's
a huge amount of information that you really need to know about
how you are truly viewed by all sorts of lenders.
In essence, You and Actual CreditWorth® will be doing their
homework for them in advance.
Why so many questions on the form?
ANSWER
If you have ever applied for a home loan or any type of financing you know the process can be grueling.
Why? Because behind the scenes, all the questions that you see within UnderWriter Fighter® are
being asked and answered by various people. The underwriter, appraiser, the title officer, the loan
officer, the processor, the credit agency - all have different concerns.
Remember, your lender does not give you money based on credit score alone. They try in every way
possible to find out what the future holds for their loan. In other words, they are concerned about
how and when they will be repaid. Can they count on having the payments made on time or is there a
chance this will not happen?
Can I start and stop or do I have to finish the entire application?
ANSWER
We've made it easy. First, to speed the process, we provide a simple Checklist to assist you in
gathering information before you even start.
While it should only take a relatively short time to complete, we realize that things come up and
you may not be able to complete the application in one sitting. Each time you answer a question your
answer gets saved in our system.
All you have to do is sign back in and you will be directed to the last question you answered. You
can revisit your partially completed UnderWriter Fighter® Credit Analyzer application for a period of 30 days from
the first day you start. After that period you would need to resubmit your answers, because timely
and accurate information is critical for a meaningful result.
Why is it important to have an ACW& Grade of AAAA?
ANSWER
Your Actual CreditWorth Grade is the best indication of your past, present, and future. It
is what lenders really look at in order to grant you credit.
For example: You may have a great credit score and no job, therefore, zero credit worthiness and
most likely a poor final grade in UnderWriter Fighter®.
UnderWriterFighter® and Your ActualCreditWorth® Grade represents perhaps the most
accurate representation of what you can expect as a credit decision.
Also, creditworthiness is beginning to show up in many places and used to some extent as a
character reference or moral barometer of sorts. Employers, landlords, and insurers are using your
credit worth as part of their decision process.
How can I change my Grade... and make it Higher?
ANSWER
There are hundreds of variables that go into your Grades and
likelihood answers. The number of potential possibilities is
too large for a human to calculate (over 50 billion) BUT we do have a gold level
service that can help you determine exactly where you need
improvement. Our Gold level service means that one of our
skilled professionals will look at your profile and let you know
exactly where the deficiencies are. Only you can improve your
Creditworthiness.
How it works
You will be asked a series of
interactive questions. There may be
as many as 250 questions depending
on the complexity of your
Creditworth®. The Underwriter
Fighter® Credit Analyzer determines
how many questions to ask based on
your particular circumstances. Be
sure to go over the pre-evaluation
checklist to have all the backup
materials you need at your
fingertips.
At no time will we ask for your SS#
or other personally identifying
information (PII). We will not run
your credit report nor do we access
your credit history.
Our analyzer is a highly complex
analytical tool that calculates your
Creditworth® based on your answers
to the questions.