Pricing

Simple pricing. No hidden fees.

FundReady is free to use. SmartCredit handles your credit monitoring and report delivery.

SmartCredit Membership Required
$ 44 .44 /mo
✓ Tri-merge credit monitoring (Experian + Equifax + TransUnion)
✓ Monthly score updates and daily new-item alerts
✓ Download your tri-merge report from SmartCredit portal
✓ Unlimited Financing Readiness Score requests on FundReady
✓ Approval readiness sub-scores by financing type
✓ Projected score trajectory (30/60/90 day)
✓ Top 5 approval blockers with recommended actions
Get My FundReady Score™ →

SmartCredit membership required ($44.44/mo). FundReady provides pre-application financing readiness analysis only. No approval guarantees.

FAQ

Pricing questions.

Yes. FundReady charges nothing. Your SmartCredit membership ($44.44/month) covers the credit monitoring, report delivery, and ongoing data refreshes that power the FundReady analysis.
SmartCredit provides tri-merge credit monitoring (all three bureaus), monthly score updates, new item alerts, and the ability to download your tri-merge credit report PDF. That report is what you upload to FundReady.
Yes. SmartCredit has no long-term contract. Cancel anytime from your SmartCredit member portal. When you cancel, you lose access to tri-merge monitoring and report downloads — which means you cannot request new Financing Readiness Reports on FundReady.
FundReady earns a referral commission from SmartCredit when members enroll through our platform. This lets us provide the analysis layer — score engine, sub-scores, projections, approval readiness — at no cost to members.
SmartCredit offers a free consultation to qualified applicants. Visit smartcredit.com to learn about current trial offers.

Start with your first report.

Enroll in SmartCredit, download your report, upload it to FundReady. Your FundReady Score™ is ready in minutes.

Get My FundReady Score™ →