My Credit Guy
Loan Officer Pre-Flight

Will this file fly?

Drop a borrower's credit report and get the verdict in about a minute — every negative item sorted, the exact game plan MCG would run, and how long it should take.

Two tools in here · pick one

Ask the Desk

Every credit question LOs actually ask, answered the way MCG works files. Search it.

Run a file. Then one click does the rest.
Everything below unlocks on the other side of one upload.
Just have a question? Open the Credit Answer Desk

Both fields are optional. If left blank, the timeframe quoted is to reach a 640 mid score or achieve full resolution of every negative item on the file — whichever the file calls for. That's work-complete, not score-dependent.

Drop the credit report here — PDF or HTML
tri-merge, single bureau, Factual Data, CIS, Credit Karma, annualcreditreport.com — drop TU, EX, and EQ separately and they merge into one review
or paste the report text
Takes ~15–30 seconds. Nothing is stored.
🔒
Privacy Protected — Nothing Is Stored. Ever.
This review runs in real time and is never saved — no database, no accounts, no tracking. Before anything is transmitted for analysis, a built-in PII shield removes Social Security numbers, dates of birth, phone numbers, emails, and account numbers right here in your browser — they never leave this device. The remaining report data is sent once, encrypted, to an AI service whose commercial terms prohibit training on it, used only to build this review, and gone when you close the tab. Every review runs on training and reasoning that comes directly from Sam Parker, co-founder of My Credit Guy — it's like having Sam review the file himself.
Reading the report…

The Game Plan

Sequenced exactly the way MCG would work this file.

Item-by-Item Playbook

Every negative item, its bucket, and the play attached to it. Color tags mark the opportunities: 🔥 Fix First is actively hurting the score every month, 🎯 Quick Win is a zero-balance derog (nothing to settle — a deletion is pure upside), 📈 Big Mover carries the balances where resolution moves the score most.

Creditor / AccountBucketThe PlayBalance

Positive Tradelines & Utilization

Client Instructions

What the borrower does — and does not do — while we work.

Do

    Do Not

      Your Investment

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      Send & Save

      Names and emails fill the messages below. Your name and partner name are remembered on this device.

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      3. See the attachment icon appear, then send.
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      This review is an automated pre-qualification estimate generated from the credit report provided. It is not a guarantee of results. Final strategy is confirmed by a My Credit Guy analyst after enrollment. Timelines depend on creditor and bureau response times.

      File cleared. Who's next?
      🔒 Report data: never stored, never shared. Reports are processed in real time and never saved — SSNs, DOBs, phone numbers, emails, and account numbers are removed in your browser before analysis and never leave this device. Data transmitted for analysis is encrypted in transit, is not used to train AI models, and exists only for the seconds it takes to build this review. Close the tab and it's gone. The only thing recorded is which professional ran a review (your work email and a timestamp) so My Credit Guy knows who's using the tool — never anything from the report itself. Every review is built on training and reasoning directly from Sam Parker, co-founder of My Credit Guy — it's like having Sam review the file himself.