Your first step: Build the free DueSmart Credit Health Passport. If your reports contain a genuine, supportable error, follow the Repair path. If the reports are accurate and you are preparing for a future opportunity, follow Growth.

Start with reconciled records

Bank activity, bookkeeping, tax filings, and financial statements should tell a coherent story. Resolve duplicates, missing categories, and unexplained transfers before generating a lender packet.

If records need professional correction, do that before representing them as final.

Build a document index

List each file, reporting period, source, and version. Common categories include income statements, balance sheets, cash-flow information, tax records, bank statements, debt schedules, ownership records, and projections.

The exact list varies by lender and product.

Explain assumptions in projections

A projection should state the sales, pricing, expense, staffing, and timing assumptions behind the numbers. Include downside scenarios and the repayment effect.

A spreadsheet that only rises every month is not a credible plan by itself.

Protect confidential information

Use a verified lender portal, restrict access, and keep a disclosure log. Do not transmit tax records, identification, or bank statements through an unverified message link.

Your action checklist

  1. Reconcile accounts
  2. Generate dated financial statements
  3. Build a debt schedule
  4. Document projection assumptions
  5. Create a file index
  6. Verify the upload portal
Keep the promise honest: DueSmart helps you understand, organize, document, and prepare. It does not guarantee a score increase, deletion, apartment, vehicle, home, rate, or funding approval.

Authoritative sources

DueSmart provides general consumer education and organization tools—not legal, tax, financial, credit-repair, real-estate, or investment advice. Laws, provider criteria, bureau data, and scoring models can change. Confirm current requirements with the relevant provider and qualified professionals.