Learn
Guides to credit files and funding readiness.
The same guides members read in the portal: what each part of a credit file means to a lender, what you can do about it, and when.
Start here
The pieces that explain your report and the one habit that moves it the most.
How the analysis works
What the analysis reads, what it never sees, the rules it is held to, and why it is an assessment of your file rather than a lender's decision.
Reading your report · WalkthroughHow to read your FundReadi Report
A walk through every part of your report, from the readiness score and funding range to the action items ledger and lender tiers, and what each one is asking you to do.
Credit fundamentals · LessonKeep every card between 10 and 20 percent
The one habit that moves a revolving file the most, why the statement date matters more than the due date, and why zero is not the goal.
Lenders and bureaus · ArticleThe bureau that decides
Each lender decides on one bureau. Which one depends on the product, your three scores are rarely the same, and your report orders applications around that spread.
Getting started
Your first week in the portal and the words we use.
How the analysis works
What the analysis reads, what it never sees, the rules it is held to, and why it is an assessment of your file rather than a lender's decision.
Getting started · GlossaryGlossary of portal and report terms
Forty terms you will meet on your tradelines, in your alerts and in your FundReadi Report, each defined in a sentence or two.
Reading your report
What every number, stage and tier on your FundReadi Report means.
Credit fundamentals
Utilization, account age, structure: the habits underwriters read.
Keep every card between 10 and 20 percent
The one habit that moves a revolving file the most, why the statement date matters more than the due date, and why zero is not the goal.
Credit fundamentals · LessonBuilding a thin file in the right order
What a thin file is, the structure lenders want to see, when builder accounts fit, and the order to add them.
Credit fundamentals · ArticleAccount age and the authorized-user shortcut
Why the average age of your accounts matters, why your oldest account is worth protecting, and the one legitimate way to borrow age.
Credit fundamentals · ArticleStudent loans and other installment accounts
How installment accounts differ from cards, the payment rule that stops a student loan growing, and why loan balances do not drive your utilization.
Negative items
Collections, late payments and public records, and what you can ask for.
Collections and charge-offs
What each one is, how lenders read paid versus unpaid, the one ask you can make, and how your report treats them.
Negative items · ArticleLate payments and the goodwill request
Why a recent late outweighs an old one, what past due means for your range, the windows lenders weigh, and the one request you can make.
Negative items · ArticlePublic records and fall-off dates
Bankruptcy, judgments and liens, how long each reports, what your report does with an open one versus a resolved one, and why no fix is invented.
Negative items · WalkthroughWhen something on your file is wrong
An account you never opened, a payment marked late that you made on time, a balance that is not yours: what a genuine error is, what it is not, and how the correction path works.
Applying
Inquiries, timing, cadence and 0% mechanics.
One move on your credit every six to twelve months
The timing rules your report uses between applications, after a denial, and when deciding between a limit increase and a new card.
Applying · LessonWhat a 0% card actually gives you
How the intro period works, what happens the month it ends, why 0% limits open lower, and what cash from a card costs.
Applying · ArticleWhat an inquiry is and how much it weighs
Hard versus soft, why monitoring pulls do not count, how long an inquiry matters, and how your report spaces applications across bureaus.
Lenders and bureaus
The bureau that decides, and how we pick lender tiers.
Business funding
Capital categories, the business questionnaire, SBA readiness, relationship banks.
Business cards and your personal file
What a business card does and does not do to your personal credit, why the application rides on your file, and how ownership decides who is underwritten.
Business funding · LessonRelationship banks and your business checking
Why some lender rows ask you to open business checking first, how long to let it season, and the address and industry facts a bank verifies.
Business funding · ChecklistSBA readiness checklist
The three programs, eligibility, documents, ratios, equity injection, timeline and the reasons packages fail, from the partner checklist lenders use.
Business funding · ArticleThe business capital categories
What a category is, how the report decides you clear one, the ladder from cards to bank products, and the floors from our partner book.
Business funding · WalkthroughThe business questionnaire, field by field
What each question collects, why the report asks in bands and then for two exact figures, what is never sent to the analysis, and where to edit it.
Denials
What to do after a no, including the reconsideration call.
After a denial
What a denial letter tells you, what it does and does not do to your file, the two windows that follow it, and what to do in the portal.
Denials · ScriptThe reconsideration call
What to prepare, the words to use, how to answer each denial reason, what to do with every response, and when not to call.
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