In Review
$85,000
Funding in Pipeline
⏳ 2 applications under review
Secured
$42,000
Total Funding Secured
↑ Approved & Disbursed
Active
$68,500
Total Credit Available
↑ 5 cards · 11% avg utilization
Matched
3
Grant Opportunities
Up to $35,000 available
Credit Score Journey
Personal & business credit restoration progress
Personal FICO
Business Paydex
Target (750)
Score Factors
Personal credit breakdown
Payment History
Credit Utilization
Credit Age
New Inquiries
Credit Mix
Negative Items
🎯 Goal: 750 by Dec 2026
63 pts to go
Your JC3 Services
All active, in-progress, and available services
Credit Restoration
2 negative items remaining. Dispute Round 3 in progress with bureaus.
In Progress
LLC Formation
JC Coleman Enterprises LLC — Active. EIN issued. Operating agreement filed.
Complete
Business Funding
$65,000 LOC application submitted. $20,000 SBA microloan in review.
In Review
Personal Funding
Personal loan ($20K) approved. Installment plan established for debt optimization.
Funded
Credit Card Stacking
5 business cards secured totaling $68,500 available credit at 11% utilization.
Active
Business Grants
3 matched opportunities identified. 1 application submitted. Up to $35K available.
Matching
Tradeline Services
3 seasoned tradelines added. Avg age: 8.4 yrs. Estimated +55 pt impact.
Active
Fintech Partner Network
Access extended products: equipment financing, merchant cash, invoice factoring.
Available
Funding Pipeline
Active applications & secured funds
Personal Loan — Chase
$20,000
Approved
Business Line of Credit — Blue Vine
$22,000
Approved
Business LOC — Fundbox
$65,000
In Review
SBA Microloan
$20,000
Pending
Total pipeline value
$127,000
LLC Formation
JC Coleman Enterprises LLC
✓
Articles of Organization
✓ Filed — Feb 14, 2026
✓
EIN Obtained
✓ IRS EIN: 87-XXXXXX
✓
Operating Agreement
✓ Signed & notarized
✓
Business Bank Account
✓ Chase Business — Opened Mar 1
→
Business Credit Profile
6
Business Credit Cards
Action Items
3 open
Upload bank statements
Fundbox needs 3 months of business statements to complete your $65K LOC application. Due May 16.
Upload →
Respond to dispute letter
Equifax sent a verification request for your Round 3 dispute. Response window closes May 22.
Respond →
Complete WOSB certification
Women-Owned Small Business cert unlocks $15K grant eligibility. Estimated 45 min to complete.
Start →
Upcoming
22
May
Credit Strategy Review
With Advisor · 10 AM · Video Call
05
Jun
Funding Results Debrief
Fundbox + SBA decision follow-up
Tradeline Services
3 seasoned tradelines added to your profile
First National Bank — Authorized User
12 yr history · Added Apr 2026
$15,000
+22 pts est.
Coastal Credit Union — AU
8 yr history · Added Mar 2026
$8,500
+18 pts est.
Heritage Savings — AU
5 yr history · Added Feb 2026
$5,000
+15 pts est.
Estimated total score impact
+55 pts
Credit Card Stack
Business credit card portfolio · 11% avg utilization
Amex Blue Business Plus
Business · No annual fee
$18,000
8% used
Chase Ink Business Cash
Business · $0 annual fee
$15,000
12% used
Capital One Spark Cash
Business · 2% cashback
$12,500
15% used
US Bank Business Triple Cash
Business · $0 annual fee
$12,000
9% used
Wells Fargo Business Platinum
Business · Low APR
$11,000
13% used
Total available credit
$68,500
Business Grants
Matched opportunities & applications
WOSB Federal Contracting Grant
$15,000
Matched
⏰ Action needed: Complete WOSB cert first
Minority Business Development Grant
$10,000
Submitted
Small Business Resilience Fund
$10,000
Matched
⏰ Deadline: June 30, 2026
Total grant potential
$35,000
Fintech Partner Network
Extended products through our trusted partner
Partner Advantage
Where our direct services end, our network begins. Access products we don't offer directly — with JC3 guidance at every step.
Equipment Financing
Up to $150K · Same day approval
Explore →
Invoice Factoring
Advance up to 90% of invoices
Explore →
Merchant Cash Advance
Revenue-based · Fast funding
Explore →
Real Estate Investing
DSCR loans · No income docs
Explore →
Digital Banking
Business accounts + rewards
Explore →
International Payments
Multi-currency · Low fees
Explore →
Recent Activity
$20K Personal Loan Disbursed
May 2, 2026 · Chase Bank
Round 3 Dispute Filed — Equifax
Apr 30, 2026 · Credit Restoration
Wells Fargo Business Card Approved
Apr 24, 2026 · $11,000 limit
Tradeline Added — First National Bank
Apr 15, 2026 · 12yr history · $15K
Business Bank Account Opened
Mar 1, 2026 · Chase Business Checking
Credit Score Updated · +12 pts
May 10, 2026 · Now 687