Profile Monitoring
Real-time score tracking, change alerts, and comprehensive reporting across all three personal bureaus. You see exactly what lenders see — before you apply for anything.
TransUnion. Experian. Equifax. Monitored daily. Alerts in real time.
Get Started — $37/moBureau-by-bureau coverage.
Each bureau maintains its own file on you, with its own scoring model and its own data. A change on one doesn't always show on another. That's why monitoring all three matters.
TransUnion
- Score changes
- New accounts
- Hard inquiries
- Balance fluctuations
- Payment status
- Collection activity
- Public records
Experian
- Score changes
- Account updates
- Inquiry monitoring
- Utilization shifts
- Dispute status
- Address changes
- Fraud alerts
Equifax
- Score changes
- New tradelines
- Balance changes
- Collection alerts
- Derogatory marks
- Account closures
- Payment history
What affects your score.
Your score isn't random. It's calculated from five weighted factors. Understanding these is the difference between guessing and knowing.
On-time payments are the single most important factor. Even one 30-day late payment can drop your score 60-100 points depending on your starting position.
How much of your available revolving balance you're using. Lenders want to see under 30% — under 10% is ideal. This applies per-card and in aggregate.
Average age of your accounts. Older accounts demonstrate stability. This is why closing old cards can hurt your score even if you don't use them.
Lenders like to see a variety — revolving accounts, installment loans, mortgage. It shows you can manage different types of obligations.
Each hard inquiry typically drops your score 5-10 points. Multiple inquiries in a short window (for the same product type) may count as one.
What you get.
Daily Monitoring
We check all three bureaus every day. Not weekly. Not monthly. Every day. When something changes, you know immediately.
Real-Time Alerts
Instant notifications when anything changes — new accounts, score shifts, inquiries, collection activity, address changes, or fraud indicators.
Score History
Track your score trajectory over time across all three bureaus. Visual charts showing where you started, where you are, and the trend line.
Funding Readiness
Ongoing assessment of your funding eligibility as your profile evolves. You'll know the moment you cross the threshold for your next funding product.
Simple pricing.
No hidden fees. No annual contract. Cancel anytime.
- 3-bureau personal monitoring (TU, EX, EQ)
- Daily monitoring with real-time alerts
- Score history and trend tracking
- Monthly comprehensive reports
- Funding readiness assessment
- Secure encrypted vault for documents
Monitoring is included with Optimize ($247/mo) and Fund ($997/mo) subscriptions.
Questions about monitoring.
Which scores do lenders actually use?
Most lenders use FICO scores, though the specific version varies by lender and product type. Mortgage lenders typically use FICO 2, 4, and 5. Auto lenders use FICO Auto Score 8. Business lenders vary widely — some use personal FICO, some use SBSS, and some use their own models. fundboo monitors the most commonly referenced consumer scores so you always know your baseline.
How often are scores updated?
Bureaus receive updates from creditors at different intervals — most report monthly, but the specific day varies by creditor. Your score can change any time a creditor reports new information. fundboo checks for updates daily and alerts you when something changes.
Will monitoring affect my score?
No. fundboo uses soft inquiries to pull your reports, which do not impact your score. Only hard inquiries (typically from applying for new financing) affect your score.
What's the difference between personal and business scores?
Personal scores (FICO, VantageScore) are based on your individual history — payment history, utilization, account age. Business scores (D&B PAYDEX, Experian Intelliscore, Equifax Business) are based on your company's trade payment data. Many lenders check both when evaluating business funding applications.
Can I monitor business bureaus too?
Business bureau monitoring (Dun & Bradstreet, Experian Business, Equifax Business) is included with the Optimize and Fund plans. The Monitor plan covers all three personal bureaus.
What happens when you detect a change?
You receive an immediate alert with the details — which bureau, what changed, the impact on your score, and a recommended action if one is needed. All alerts are logged in your dashboard for review.
From our clients.
“fundboo positioned our profile and coordinated the entire funding process. Within 60 days, we had the capital to purchase two new excavators and bid on contracts we couldn't touch before.”
“We tried three different services before fundboo. The difference was they didn't just run letters — they built our entire profile from scratch and matched us with lenders who understood healthcare.”
“The capital stacking strategy was something I'd never seen before. Instead of one large loan, fundboo helped us stack multiple funding sources to get better terms across the board.”
Know your profile. Own your position.
Start monitoring across all three bureaus today. No impact to your score.
Get Started