Profile Building
Bureau-by-bureau profile optimization designed to position you for funding. Disputes, tradelines, business bureau presence, and score optimization — methodical, documented, measurable.
12-week structured program. All three personal bureaus plus business bureau registration.
Get Started — $247/moWhat's included.
Profile Building is a structured, 12-week program that takes your profile from its current state to funding-ready. Every step is methodical, documented, and measurable.
3-Bureau Profile Assessment
Individual review of TransUnion, Experian, and Equifax — every tradeline, inquiry, public record, and account status. Each bureau maintains its own file. We analyze all three independently because lenders do.
FCRA-Compliant Dispute Filing
Strategic disputes under Sections 609, 611, and 623 of the Fair Credit Reporting Act. We don't just send template letters — we build dispute strategies around how each bureau responds and escalate through the proper channels when needed.
FDCPA & Metro 2 Compliance
Verification that all reported data complies with the Fair Debt Collection Practices Act and Metro 2 reporting standards. If a furnisher is reporting inaccurately, we have the legal framework to challenge it.
Tradeline Optimization
Strategic management of your existing accounts — utilization ratios, authorized user placement, account age protection, and balance distribution. Small changes in how your accounts are structured can move your score significantly.
Net 30 Vendor Accounts
Establishment of business tradelines through Net 30 vendor accounts that report to business bureaus. These build your business profile independently of your personal profile — critical for future funding applications.
Rent Reporting Enrollment
Your rent payments — often your largest monthly obligation — aren't reported to bureaus by default. We enroll you in reporting through Document Rent, adding positive payment history to TransUnion, Experian, and Equifax.
Business Bureau Registration
Registration and profile establishment with Dun & Bradstreet, Experian Business, and Equifax Business. Many business owners don't know these profiles exist — and lenders check them before approving business funding.
Authorized User Strategy
Coordinated placement on seasoned accounts with low utilization and long history. This can add years of positive history to your profile in a single reporting cycle — one of the most impactful strategies available.
Monthly Progress Reports
Detailed tracking of score movement, dispute outcomes, tradeline changes, and bureau responses. You see exactly what changed, why it changed, and what's happening next. No guessing.
How disputes work.
The Fair Credit Reporting Act gives you specific rights to challenge inaccurate information on your profile. We use every available pathway strategically.
Verification Request
Requires bureaus to provide documentation proving that the information on your report is accurate and was reported properly. If they can't verify it, they must remove it.
Reinvestigation
Triggers a formal reinvestigation of disputed items. The bureau must contact the furnisher, verify the data, and respond within 30 days. If the furnisher can't verify, the item is removed.
Direct Furnisher Dispute
Goes directly to the company reporting the information (the furnisher), bypassing the bureau. This is the escalation path when bureau-level disputes don't resolve the issue.
Debt Validation
For collection accounts — requires the collector to prove they have the legal right to collect, the amount is correct, and the debt is within the statute of limitations. Many collections can't survive this challenge.
The 12-week timeline.
Every phase has clear deliverables and measurable outcomes. You always know where you are in the process.
Profile Audit & Strategy
- Pull all three personal bureaus
- Analyze every tradeline and account
- Identify inaccurate, outdated, or unverifiable items
- Create dispute strategy prioritized by impact
- Establish business bureau profiles
Dispute & Build
- File first round of disputes across all bureaus
- Enroll rent reporting (TU, EX, EQ)
- Open initial Net 30 vendor accounts
- Begin authorized user placement process
- Submit business registration to D&B, Experian Business, Equifax Business
Response & Escalation
- Process bureau responses from Round 1
- Escalate unresolved disputes (611 → 623 pathway)
- File second round of disputes based on outcomes
- Monitor new tradeline reporting
- Adjust utilization strategy based on score movement
Optimize & Position
- Final dispute round for remaining items
- Score optimization across all three bureaus
- Comprehensive progress report vs. baseline
- Funding readiness assessment
- Transition plan — monitoring or funding next
Simple pricing.
No hidden fees. No annual contract. Cancel anytime.
- 3-bureau dispute management (TU, EX, EQ)
- Tradeline optimization & AU placement
- Net 30 vendor account setup
- Rent reporting enrollment
- Business bureau registration
- Monthly progress reports
- Includes profile monitoring
Profile building is included with the Full Funding Package ($997/mo).
Questions about profile building.
How is this different from doing it myself?
You can absolutely file disputes yourself — the FCRA gives you that right. The difference is strategy. We know which items to dispute first for maximum score impact, which dispute method works best for each situation, and how to escalate when a bureau doesn't respond properly. We also handle the coordination across all three bureaus simultaneously, which most people find overwhelming on their own.
How much can my score improve?
Results vary significantly depending on your starting position. Clients with inaccurate negative items often see the largest improvements — 50 to 150+ points over the program. Clients with already-clean profiles who are adding positive tradelines typically see 20-60 points. We never guarantee specific outcomes because every profile is different.
What if I have no negative items?
Profile building isn't just about removing negatives. If your profile is clean but thin (few accounts, short history, low limits), we focus on building — authorized users, tradelines, vendor accounts, and rent reporting to strengthen your profile for funding applications.
Will disputes close my accounts?
No. Disputes challenge the accuracy of how information is reported — they don't close accounts or change your actual obligations. A successful dispute removes or corrects inaccurate data. Your accounts remain intact.
Can I keep monitoring after the 12 weeks?
Yes. At the end of the program, you can transition to our Profile Monitoring plan ($37/mo) to maintain visibility across all three bureaus. If you're ready for funding, you can move directly to the Full Funding Package.
Do you handle business profiles too?
Yes. Business bureau registration and profile building is included in the Optimize plan. We register your business with Dun & Bradstreet (PAYDEX score), Experian Business (Intelliscore), and Equifax Business — and establish the initial tradelines that start building your business profile.
What information do you need from me?
To start, we need government-issued ID, proof of address, and authorization to pull your bureau files. If you're building business profiles, we'll also need your EIN, business formation documents, and business bank statements. Everything is uploaded securely through your dashboard.
How do I track progress?
Your dashboard shows real-time score tracking across all three bureaus, dispute status with expected resolution dates, tradeline reporting status, and monthly detailed reports comparing your current position to your baseline.
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.”
Build the foundation for funding.
Start with our eligibility assessment to see where your profile stands today. No impact to your score.
Get Started