700+ Score Personal Funding Program
Q1: What is the minimum credit score requirement to obtain personal funding?
A: You must have a minimum credit score of 700 to qualify for personal funding. In addition your credit profile must be other basic qualifications as well. See Basic Qualifications For Funding Click Here!
Q2: I have a prior bankruptcy listed on my credit report. Can I still qualify for personal funding?
A: A prior bankruptcy listed on your credit report (regardless of the age) will automatically disqualify you for our personal funding program.
Q3: How long does it take to a complete a personal funding prequalification evaluation?
A: We normally complete all prequalification evaluations within 24 hours (not including Saturday, Sunday or Holidays).
Q4: Can I use a co-signer when applying for personal funding?
A: No, you cannot use a co-signor. Whomever is on the personal funding loan application must meet all qualifications for funding.
Q5: How many tradelines/credit accounts do I need to have reporting on my credit report in order to qualify for personal funding?
A: You need a minimum of four (4) open and active PRIMARY tradelines reporting on your credit file. Tradeline accounts should be a minimum of 1 year old, preferably two plus years old.
Q6: At what point am I required to pay your fees for providing your personal funding services?
A: Our fees are paid after you receive each individual funding. We provide you with specific written instructions regarding payment of each funding account.
Q7: What method of payment is used to pay the agreed back end feed after I receive my funding?
A: We collect our back end fee via several methods of payment: Credit Card Charge Authorization Form, PayPal, Online Balance Transfer and in some instances Cash Advance. Specific instructions are provided at the time of payment.
Q8: Can you do personal funding using only my Equifax credit file and NOT Experian and Transunion?
A: We can do personal funding using only your Equifax credit file OR using only your Experian credit file. We do not do funding using only Transunion credit files.
Q9: Do you provide credit repair services?
A: No, we do not provide credit repair services and we do not provider referrals for credit repair services.
Q10: What is the maximum amount of funding that can obtain through your personal funding program?
A: Based on the strength of the personal credit file we can do funding up to a maximum of $175,000.00.
Q11: Does your personal funding program provide ALL CASH FUNDING option?
A: No. All of our personal funding comes in the form of major bank issued credit cards, such as, Visa, MasterCard, American Express and Discover.
Q12: How long does it take to complete the personal funding process?
A: On average, from the time we start the actual funding submissions it takes about 4-5 days for us to complete our submissions. It then takes approximately 7-10 days for the funding to arrive after the date of approval.
Q13: Are there any up front or application fees associated with your personal funding services?
A: No, we do not charge any up front fees or application fees on any of our services?
Q14: Will I have to produce income documentation to qualify for personal funding?
A: No, income documentation is not required on 99% of all personal funding.
Q15: Do you provide removal of credit inquiries from my credit report after funding is complete?
A: No, we do not provide removal of credit inquiries.
Q16: Do you offer an affiliate program?
A: Yes, you can see details of our affiliate program: CLICK HERE
Q17: Which states do you offer personal funding services?
A: Our services are available in all 50 states
Q18: What is the minimum amount of funding available through your personal funding services?
A: The minimum amount of funding we will submit for is $10,000.00.