Unlock Lender-Ready Credit.
Unlock Lender-Ready Credit.
Unlock Lender-Ready Credit.
Free Step-By-Step
Funding Blueprint
Instant Access
Send My Blueprint
Good score, still denied?
Good score, still denied?
Automated underwriting flags mismatched data, causing rejections.
Automated underwriting flags mismatched data, causing rejections.
Thin credit mix blocks you.
Thin credit mix blocks you.
Low limits and not enough tradelines limit your approvals.
Risk models change.
Risk models change.
Timing and internal risk factors shift monthly for banks.
Timing and internal risk factors shift monthly for banks.
You’re not alone, and the fix is simpler than you think.
You’re not alone, and the fix is simpler than you think.
Discover why even 700+ scorers see denials.
Discover why even 700+ scorers see denials.
Download Funding Blueprint Now!
Credit profile checklist.
Credit profile checklist.
Credit profile checklist.
3+ revolving accounts, 1 high-limit card, spotless installment history.
3+ revolving accounts, 1 high-limit card, spotless installment history.
Risk signals.
Risk signals.
Risk signals.
Below 30% utilization, no open disputes, identity data aligned.
Below 30% utilization, no open disputes, identity data aligned.
Score playbook.
Score playbook.
Score playbook.
FICO 5/4/2 vs Bankcard 8 — know the scores lenders check.
FICO 5/4/2 vs Bankcard 8 — know the scores lenders check.
Download the Funding Blueprint
Download the
Funding Blueprint
See the exact checklist lenders use.
See the exact checklist
lenders use.
From Denial to Full Funding
From Denial to Full Funding
Real client stories
Real client story
Derek has been one of my most trusted sources for financial information for the better part of a decade now. No matter what my situation is, I can talk to him without fear of judgment or harsh criticism.
One quality I’ve found crucial is the ability to be brutally honest without losing empathy. You don’t want a ‘yes man,’ but you don’t want a drill sergeant either. Derek walks that line perfectly.
I’ve yet to meet someone with more passion and commitment to helping people take control of their financial future. With his help, your goals start to feel within reach. There’s a sense of clarity and control that makes it easier to move forward with confidence. That’s what working with Derek and Skuld House gives you.
5 stars
DJ MCK
Business Owner
Frequently Asked Questions:
What makes Skuld House different?
We don’t just chase scores. We teach you how to build full credit profiles that lenders actually approve. Additionally, we do not provide lending. So, there is no conflict of interest and our strategies work regardless of who you bank with.
Can I use this for personal credit too?
Yes. Strong personal credit opens doors to business funding. So, we help optimize both. We’ll show you how to bridge the two.
Do I need good credit to get started?
You don’t need perfect credit, but the Fundability Coaching subscription is designed for borrowers with average to great scores who want better rates, higher limits, or access to business funding. If you're rebuilding from major damage, a one-time strategy session may be a better fit.
What makes Skuld House different?
We don’t just chase scores. We teach you how to build full credit profiles that lenders actually approve. Additionally, we do not provide lending. So, there is no conflict of interest and our strategies work regardless of who you bank with.
Can I use this for personal credit too?
Yes. Strong personal credit opens doors to business funding. So, we help optimize both. We’ll show you how to bridge the two.
Do I need good credit to get started?
You don’t need perfect credit, but the Fundability Coaching subscription is designed for borrowers with average to great scores who want better rates, higher limits, or access to business funding. If you're rebuilding from major damage, a one-time strategy session may be a better fit.
What makes Skuld House different?
We don’t just chase scores. We teach you how to build full credit profiles that lenders actually approve. Additionally, we do not provide lending. So, there is no conflict of interest and our strategies work regardless of who you bank with.
Can I use this for personal credit too?
Yes. Strong personal credit opens doors to business funding. So, we help optimize both. We’ll show you how to bridge the two.
Do I need good credit to get started?
You don’t need perfect credit, but the Fundability Coaching subscription is designed for borrowers with average to great scores who want better rates, higher limits, or access to business funding. If you're rebuilding from major damage, a one-time strategy session may be a better fit.
Will working with you affect my credit score?
Any updates to your profile may impact your score, even temporarily. We help you plan around these shifts so you’re application-ready when it counts.
Do you offer refunds for coaching?
Because funding outcomes depend on individual implementation, all coaching sales are final. We’re happy to clarify anything before you sign up.
How long does it take to get funding-ready?
Timelines vary based on your current credit profile and funding goals. Some clients are ready in weeks, others in a few months. We'll give you a roadmap.
Will working with you affect my credit score?
Any updates to your profile may impact your score, even temporarily. We help you plan around these shifts so you’re application-ready when it counts.
Do you offer refunds for coaching?
Because funding outcomes depend on individual implementation, all coaching sales are final. We’re happy to clarify anything before you sign up.
How long does it take to get funding-ready?
Timelines vary based on your current credit profile and funding goals. Some clients are ready in weeks, others in a few months. We'll give you a roadmap.
Will working with you affect my credit score?
Any updates to your profile may impact your score, even temporarily. We help you plan around these shifts so you’re application-ready when it counts.
Do you offer refunds for coaching?
Because funding outcomes depend on individual implementation, all coaching sales are final. We’re happy to clarify anything before you sign up.
How long does it take to get funding-ready?
Timelines vary based on your current credit profile and funding goals. Some clients are ready in weeks, others in a few months. We'll give you a roadmap.
Book Your Strategy Call
Ready to Secure Better Funding?
Ready to Secure Better Funding?
Book your strategy call and start your journey.
Book your strategy call and start your journey.
Book your strategy call and start your journey.
