Q1: Will we need to pay any upfront charges with your personal funding services?

A: No upfront fees or application fees are charged on any of our services?

Q2: How many trade lines/credit accounts will I need to have reported on my credit in order to qualify for funding?

A: You will need at least 3 open and active Primary tradelines on your credit report. Tradelines should be at least 1.6-year-old however 2 years are preferred.

Q3: Can a co-signer be used when applying for a personal loan?

A: No, a co-signer may NOT be used. Whoever is on the loan application must meet all qualifications for funding.

Q4: What is the minimum credit score required to obtain personal funding?

A: Your credit score must be a minimum of 700. In addition, your credit profile must also meet other basic qualifications.

Q5: Can I still qualify for a loan with Bankruptcy on my credit report?

A: BK must be at least 5 years old.

Q6: A prequalification evaluation will take approximately how long?

A: Prequalification does typically take 48 hours, not including weekends and holidays.

Q7: How long does it take to complete the personal funding process?

A: Depending on the amount of requested funds, it takes about 2-5 days for us to complete our submissions. It then takes approximately 7-14 business days for the funding to arrive after the date of approval.

Q8: Will Income documentation be needed for personal funding?

A: Income documentation is not needed on 99% of loans.

Q9: Is there an ALL cash funding option?

A: No, our personal funding comes in the form of major bank-issued personal lines of credit and cards- such as Visa, MasterCard, American Express, and Discover. Once funded we will assist in the liquidation process to convert credit to cash.

Q10: When will I be required to pay the fees for you providing the personal funding services?

A: Payment is due within 24 hours upon receiving each funded line. We will provide you with written instructions regarding

payment of each credit line.

Q11: What forms of payment will you accept for payment?

A: We collect our backend fee via several methods of payment: PayPal, Credit Card Charge Authorization Form, Online

Balance Transfer and in some instances Cash Advance. Instructions will be provided at the time of payment.

Q12: Can you do personal funding using only my Equifax credit file and not Experian or Transunion?

A: We can do personal funding using only Equifax credit or only Experian. We do not provide funding with Transunion only.

Q13: What is the max amount of funding I can obtain?

A: Based on the strength of the personal credit file we can fund up to a maximum of $250,000.00

Q14: Will you be removing credit inquiries from my report following funding?

A: No, we do not provide removal of credit inquiries.

Q15: What is the minimum amount of funding available through your personal funding services?

A: The minimum amount of funding we will submit is $20,000.

Q16: Do you provide credit repair services?

A: We do not provide credit repair services, however, we do provide referrals for credit repair services.

Q17: Which of the 50 states do you offer personal funding services?

A: Our services are available in all 50 states.