07/24/2026
Credit scores measure how you’ve borrowed. Not how you actually earn.
A 1099 earner can get paid consistently, month after month, and still look “thin” on paper — because the file was never built to show income, only debt. That gap shows up as higher rates, denials, and terms based on borrowing patterns instead of what someone can actually afford.
Prova doesn’t replace credit. The Solopreneur Finance Score gives lenders a real, verified income signal to look at alongside it — built from actual cash flow, not a proxy for it.
Your work should count for something too.
Drop a 💵 if you’ve ever been judged on your credit instead of what you actually bring in.