Being turned down is not the end of the road. It is the beginning of a better application.
Credit University was built by the lenders at ETHAIS to show you exactly what it takes to qualify for business financing. We review credit files every day. Now we are going to show you what you need to do to get approved.
Most people know their credit score. Very few understand what drives it. Credit University is an educational resource from ETHAIS designed to close that gap. We are lenders and underwriters. We know what it takes to get approved because we are the ones doing the approving. What we are about to teach you is what we look for on the inside of every credit file we review
ETHAIS has reviewed credit files and issued private credit since 2018. This curriculum was written by our underwriting team based on what we see in real applications every day. What you learn here is what we actually use to evaluate borrowers.
THE CURRICULUM
Six Things Every Borrower Should Know
01
Understanding Your Credit Score
What the number means, how it is calculated, and why it matters to every lender you will ever approach. Most borrowers are surprised to learn how many factors they can actually control.
04
Payment History And Why It Dominates
One factor accounts for 35% of your FICO score. Understanding it is the single most important thing you can do. We have approved borrowers with high debt loads because their payment history was spotless.
02
How Lenders Actually Read Your Credit Report
The score is just the beginning. Learn what experienced lenders look for beyond the number. What we see in your file often tells a very different story than the score alone.
05
Debt Utilization And How To Manage It
The second most powerful factor in your score. Small changes here can move your number significantly and quickly. Many borrowers improve their score within 30 days by addressing this one factor alone.
03
How To Remove Errors From Your Report
Errors on credit reports are more common than most people realize. Here is how to find them and what to do about them. A single corrected error has moved a borrower’s score enough to qualify.
06
Building Credit When Your File Is Thin
No credit history is not the same as bad credit. Learn how to build a file that lenders can actually work with. A thin file with the right structure is often more approvable than a long file with problems.
The curriculum you are about to receive was written by the people who review loan applications and issue credit for ETHAIS. Most borrowers never see the inside of the credit process. We are going to reveal the mysteries and change that for you.
STUDENT RESULTS
What Our Students Say
“580 to 798. I did not know that was even possible.
Nicole K.
Credit University Student
Score: 580 → 798
“Getting my FICO over 700 took time, but knowing what lenders actually look for made all the difference for me.
Monique H.
Credit University Student
Funding Approved
Testimonials displayed are from actual Credit University students. Individual results are not guaranteed and will vary based on personal credit history, financial circumstances, and consistency of application. Credit improvement is a process that requires time and sustained effort. ETHAIS Credit University provides education only and does not guarantee any specific outcome.
ENROLL TODAY
Get Help Building A Credit Profile That Gets You To A Yes.
Enroll in Credit University. We will send you the complete curriculum along with practical guidance written from a lender’s perspective to help you improve your credit and position yourself to qualify for the financing your business needs.
Enroll In Credit University
You will receive your first lesson within one business day.
An ETHAIS Educational Resource. ETHAIS Credit University provides educational information only. We are lenders, not credit repair specialists, attorneys, or financial advisors. This curriculum does not constitute credit repair services as defined by applicable law, nor does it constitute legal or financial advice.
