Credit monitoring · Funding analysis
Your score is the cover. Lenders read what’s under the hood.
FundReadi reads your file first, so you know what they’ll see.
Soft pull, no score impact · Cancel anytime
Your funding file, step by step.
Each one tells it a little differently.
Every account, balance and inquiry.
An estimate from your file, never an offer of credit.
Lenders don't all pull the same one.
Ranked by what each one does for your range.
Alerts within a day. Moves check off as your file shows them.
Your file, from all three bureaus
Each one tells it a little differently.
Read the way a lender reads it
Every account, balance and inquiry.
The range your file supports
An estimate from your file, never an offer of credit.
The bureau that decides
Lenders don't all pull the same one.
Your next three moves
Ranked by what each one does for your range.
A fresh read every month
Alerts within a day. Moves check off as your file shows them.
Every screen shows sample data.
How Credit Monitoring WorksIn our lender database.
- 962banks and credit unions
- 3,660card products
- 50states
Counted October 29, 2026.
See a full report before you join.
A fictional member. Every name and figure is sample data.
Questions
Is this a hard or soft inquiry?
Soft. Every pull we make is a soft inquiry, which does not affect your credit score. Hard inquiries happen only when you formally apply for credit at a lender, outside of our platform.
How is the funding range calculated?
From your own file. The range starts from the credit limits your revolving accounts already carry, scaled by your readiness score, then cut for anything a lender would hold against it: high utilization, a recent late payment, a collection, or a missing bureau. It is an estimate of what your file supports today, never an offer of credit.
Can you actually get me a loan?
No. We are not a lender or broker. We don't place loans, take a cut from any lender you apply to, or refer you to lenders for compensation. We tell you what funding looks realistic; you apply at the lender directly.
Can I cancel anytime?
Yes. Cancel from your portal, no support call required. Your subscription stays active until the end of the cycle you've already paid for, then access ends.
See your file before they do.
First 1,000: Premium at $29/mo, locked while your membership stays active.
Soft pull, no score impact · Cancel anytime