UNSECURED FUNDING​
BASED ON YOUR CREDIT REPORT​ AND INCOME.

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100% unsecured funding overview

 

This program is simple and easy

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We can provide 100% unsecured funding, to individuals, based solely on the contents of a credit report. No verification of bank accounts, income, employment, tax returns or assets is necessary for credit cards. Verification of income is now necessary to get you cash (installment loans).

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These are unusual times. We do our best to get you funding with the least possible hassle!

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There are no “up-front” fees of any kind. You pay a 15% success fee only after you receive funding.

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The funding can be from $20,000 to about $225,000, depending on the credit report. Funding can be a combination of credit cards, cards with checks to cash, or term loans. Many cards offer zero interest for anywhere from 6 to 18 months. Term loans an be anywhere from 3% to 15% interest. We can't tell you exactly what terms may be available until we see your application and you have a welcome meeting with your personal representative and your rep has an opportunity to review the current funding provider possibilities. You can then proceed, or not, based on our costs estimates.

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The minimum credit scores on three bureaus needs to be 680+. However, credit scores alone do not determine funding. Factors such as trade lines, recent inquiries, and available credit will affect funding availability. The specifics and preferred qualifications follow for your review.

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If you have a military affiliation, or have a relative (spouse, parent, sibling, child, close roommate) with a military affiliation your credit scores can be as low as 620+ and still obtain funding. In the service, honorably discharged is OK. Deceased military relatives won’t work. With the military affiliation you simply use that person to recommend you for an account with their military credit union or bank. You open you own account and your relative has no responsibility in that regard, at all. That is all explained in the welcome call. More on the welcome call below.

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The funding is determined by credit scores and other credit report factors, for each individual. The list of preferred qualifications follows. Please look that over.

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We prefer you get a credit report from creditchecktotal.com – but Experian or Equifax will be OK, as long as it has all pages from all three bureaus. When you order a report, it does not count as an “inquiry.” If you get a “hard” copy we need all the pages. If you send us the log-in information we need all information necessary to see the report. We have a form for that below.

The funding may be a combination of credit cards, cards convertible to cash, or installment loans. We can’t know that until we. A: See a copy of your credit report and B, have a welcome / compliance call with the agent at the company who will be helping you.

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If you have a preference for cash only just let us know when you send in your credit report.

After the company looks at your credit report they will provide an “estimate” of what they believe they can obtain for you. If you agree and wish to move forward, we will send you a contract for services. When they receive the contract, they will schedule and welcome/compliance call with your personal representative who will walk you through the entire process. At that time, they can be more specific as to what type of funding can likely be obtained. However, they can’t know exactly until their preferred institutions submit offers to you.

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Nothing moves forward on your file until the welcome call. During that call you can ask any questions of your personal representative in order to get comfortable with the process before they proceed to obtain your funding. No inquiries are made until after your welcome call and you agree to move forward.

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Typically, the process to get you funded from the time of the welcome call, is 7 to 14 business days.

The company has been doing this for 12 years. They understand what works and what doesn’t. If you deviate from the normal submission process, and co-operation with your personal representative it will cause delays.

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The structure of the contract needs to cover many possibilities, If you have a concern about some of the “boiler plate” wording in the contract, call your agent. And, you can simply add to your signature that you are proceeding "subject to a satisfactory conversation with your company representative". The company will not typically arrange a personal call until they receive the signed contract as they want to know you are serious.

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They are serious about helping you. They want to know you are serious as well.

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Please review the information following so you have a clear idea as to how the program works.

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Remember, you pay no fees until you get funded, so the company will work very hard to obtain funding for you.

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Please read the new customer initial submission and the preferred requirements sections below. After those there is more information – some of it duplicates the above, but all is worth reviewing.

 

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If you wish to proceed you and your agent will get this form completed.

                         

New customer initial submission – Funding Finders team

 

Full name of customer:

What credit report agency: (Prefer creditchecktotal or Experian). 

If “paper” copy, need all pages even if blank. Not a summary. The full report.

If sending login information:

 

Username:

Password:

PIN:

Security question:

Security question answer:

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Just a reminder, We will need the security question and answer plus the pin number on every Experian or Credit Check Total login. Client can get it by logging into his profile.

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That should do it but - anything else it may take to access the report.

 

Any military affiliation? Describe:

Desired amount of funding:

Cash and cards for total:

Cash only:

If you wish to provide income for more funding let us know

 

Submitting agent name:

 

Military, DOD, Civilian Employee Affiliated

Self, Spouse, family member or Roommate who is Active, Retired, or Receiving compensation from Military or DOD will qualify you.

The one who is military affiliated will need to get membership with our military banks first, and then share the benefit with the client (further instruction will be provided).

Any other comments:

Remember. Any missing information will delay the submission process.

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Preferred Requirements

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680+ credit scores (620+ if military affiliated: direct family member or roommate)

Revolving balances below 50% to 60% of limits

Minimum of 3 open, seasoned (24 months), primary revolving lines (authorized user accounts do not count as primary)

No more than 4 inquiries per bureau within the last 90 days

Discharged BK's must be over 5 years

No late payments or collection accounts within the past 12 months

No fraud alerts or credit freeze reporting to any one bureau

Address on each bureau must match and report as most current as address on application

Client must receive mail their physical home address (no po box or commercial or UPS store address)

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                What is a military affiliation?

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            Eligibility Requirements / Who Qualifies For Military Funding?

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FAMILY MEMBERS
Including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren), and household members; Once your family members have joined, their family members are also eligible for membership.

DEPARTMENT OF DEFENSE (DOD) UNIFORMED PERSONNEL
Army, Marine Corps, Navy, and Air Force Active Duty, veterans/discharged, retirees, and annuitants

UNITED STATES COAST GUARD PERSONNEL
Including Active Duty, reservists, civilian employees, retirees, and annuitants

DEPARTMENT OF DEFENSE RESERVISTS
Army, Marine Corps, Navy, and Air Force retirees and annuitants

ARMY AND AIR NATIONAL GUARD PERSONNEL
civilian employees, retirees, and annuitants

DELAYED ENTRY PROGRAM (DEP) PERSONNEL
Apply by visiting a branch with your enlistment contract.

DOD OFFICER CANDIDATE PROGRAMS
Midshipmen and cadets at the United States Naval Academy. United States Military Academy. United States Air Force Academy. United States Coast Guard Academy and the United States Merchant Marine Academy. Other office programs.

U.S. GOVERNMENT EMPLOYEES ASSIGNED TO DOD INSTALLATIONS
Including Coast Guard

DOD CIVILIAN EMPLOYEES
Including retirees and annuitants

DOD CONTRACTORS ASSIGNED TO U.S. GOVERNMENT INSTALLATIONS

VETERAN

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