FCRA vs FDCPA in plain English: which law actually helps when
FCRA is about what your credit report says; FDCPA is about how a debt collector behaves. Knowing which law applies is why 'dispute everything' is the wrong move.
Become fundable — the groundwork for getting real capital.
Bring your profile
Import your financial and credit picture so Fundability can see what a lender sees.
People get denied funding and are never told why, or how to fix it. 'Fundability' is treated as insider knowledge the funding industry charges heavily to gatekeep.
Entrepreneurs and individuals trying to get approved for funding — people who've been denied and were never told why, and want a clear plan to become fundable.
Fundability helps people and businesses get funded. It reads your financial and credit profile, finds the specific things standing between you and a yes from a lender, and builds the plan to fix them — including dispute letters grounded in Metro 2 reporting standards and the FCRA when inaccurate reporting is what's blocking approval. The goal isn't a cleaner report for its own sake; it's funding.
The software that actually made it possible.
FCRA is about what your credit report says; FDCPA is about how a debt collector behaves. Knowing which law applies is why 'dispute everything' is the wrong move.
Metro 2 is the format lenders' data has to follow. Understanding it is how you spot a reporting error worth disputing — and it's about funding, not credit repair.
Everyone hears 'credit' and thinks credit repair. That's not the point. The point is the yes from a lender — and knowing exactly what's standing between you and it.