Every FundReadi Report starts with the same question: how does this file read to a funding underwriter today, and what is the shortest path to the next stage? Here is what goes into answering it, and what stays out.
Key takeaways
- The analysis reads your three bureau files with your identifiers removed; your name, address, and account numbers never leave the platform.
- Eligibility gates are computed from your data before the analysis runs and cannot be argued away by a strong score.
- The same advisor rules bind every sentence the analysis writes, so two members with the same file get the same guidance.
- Nothing in the report is a lender's decision or a promise of approval.
What the analysis reads
Your monitoring pulls your Equifax, Experian and TransUnion files each month. The analysis reads all three: scores (VantageScore 3.0), every open and closed tradeline with its balance, limit, status and payment history, installment loans, inquiries from the last six months, collections, public records, any statement you have filed with a bureau, and the account-age figures for each bureau. When one bureau is missing from a section, the analysis treats that as not on file for that bureau, not as zero, and says so.
On a business journey it also reads your business questionnaire: time in business, revenue band, entity type, industry, whether you have a business bank account, and any prior business funding, plus the exact months in business and monthly revenue when you have entered them. On a personal journey it can read your stated income band and goals when you have chosen to share them.
What it never sees
Before anything reaches the analysis, your identifiers are removed: your name becomes "Customer", your street address is dropped and only your city and state remain, your date of birth becomes an age, account numbers are cut to their last four digits, and phone numbers and email addresses are stripped. The analysis works from the shape of your file, not your identity. Your business's legal name is withheld too, because for a sole proprietor it is your own name.
Your credit file also carries no income. When the report shows a debt-to-income figure it is labeled an estimate from your reported payments and limits, or a stated figure when you have told us your income band. It is never presented as verified.
Gates come first
Some facts on a file are not up for interpretation. An unpaid collection, a charge-off, a payment currently past due, or an open bankruptcy, lien or judgment stops most funding applications regardless of the score next to it. Those are computed from your data before the analysis runs and handed to it as settled facts. A gated file is described as gated, the funding range is shown locked with the figures it would support once cleared, and the first action item is what clears it. A paid collection, a discharged bankruptcy or a satisfied judgment does not block; it rides as an advisory with its fall-off date named.
The rule works in both directions. If the analysis ever calls a gated file ready, the gate wins and the report is corrected before you see it. If it calls a clean file blocked, the file's own numbers win.
The rules it writes under
The analysis is held to a set of advisor rules that came from real advisor calls. A few of them, because you will see them in your action items: keep every card between 10 and 20 percent of its limit, never over 30 percent, never zero; wait until your newest account is 180 days old before the next major-bank application; inquiries are advisory, never a gate; a pay-for-delete or goodwill request is an ask that some agree to and none are obliged to; no predicted point gains, ever; no lender is named unless it is on our curated database for your state.
The same rules bind every report, so the guidance you get depends on your file and not on how the question was phrased.
Two passes, one answer
The first pass produces the summary you see on My Funding within a couple of minutes: score, range, stage, criteria, action items, lender tiers. On plans with the full report, a second pass then writes the document around those figures. The second pass is not allowed to change a number the first one published, and every run is checked for that. If you ever see the summary and the full report disagree, that is a defect and we want to hear about it.
What it is not
The report is education and planning. It is not a lender's decision, not a promise about the outcome of any application, and not a promise about your score. Lenders decide on their own criteria, on the bureau they choose, on the day you apply. What the report gives you is the order of moves that makes those decisions go your way more often.
Open My Funding and read the assessment; everything above is behind that paragraph.
This piece is education, not financial or legal advice, and nothing in it is a lender's decision or a promise about your score or an application. Credit scores in the portal are VantageScore® 3.0.