Glad you asked! A lender/borrower industry disrupter. is a ground-breaking innovator that is radically transforming the borrowing success of entrepreneurs and real estate investors, nationwide.

More than you can possibly imagine. Simply put, we take the mystery out of funding, scoring, underwriting, and credit line approvals by delivering a proven system that lets YOU take charge of your FUNDABILITY™ in a way you never thought possible before. Our Fundability Optimization® process is a game-changer…in YOUR favor. And with the education that comes with it, you can take back your financial power and finally live the dreams you have always wanted to live. In a word…we make Fundability™ your new favorite F-word!

Developed by Merrill Chandler, a credit pioneer with over 25 years experience in the consumer and business credit industry, Fundability Optimization® is a step-by-step proven system that maximizes your personal and business fundability. Because we know what it takes to pass tough FICO® and Lenders approval criteria, has developed a set of tools that will help you optimize the fundability™ of your personal and business borrower profiles. This allows you to acquire and maximize every possible credit score AND underwriting point evaluated by FICO® and lender software. Simply put,’s Fundability Optimization® process results in FUNDABLE personal and business borrower profiles AND scores.

The science of optimization combined with the art of fundability™ deliver powerful and proven strategies that help you recover lost approval points due to previous bad borrowing decisions, AND OPTIMIZES your personal and business borrower profiles so that the characteristics measured by FICO® and lender scoring software produces the maximum opportunity for new credit line approvals. With Fundability Optimization®, you no longer have to play the funding game like a rookie consumer—you now get to play like a professional borrower. This process has transformed the most unfundable entrepreneurs and real estate investors into FUNDING MACHINES.

No one. Our founder Merrill Chandler invented it. He is one of the only humans on the planet (who doesn’t work for FICO®) who has had the unique experience of evaluating “before” and “after” versions of over 10,000 credit profiles—and the score changes that accompany the implementation of optimization strategies. Fundability Optimization® is available exclusively at There is no other technology like it, and patents are in the works to ensure this powerful process has the leverage to transform the personal and business credit industry nationwide.

NO. By definition credit repair companies do only that—they try to REPAIR credit. They can only write dispute letters hoping for a meager 20-30% overall deletion outcome—not a very encouraging result. Credit repair companies CANNOT optimize your credit profile to make you more FUNDABLE. More importantly, once a credit repair company disputes an account and it is “verified as accurate,” they are done. But to keep charging you, they keep sending more disputes with little or no additional deletions. There’s nothing else they can do.

Like a Tesla is different from a stage coach. knows how to find and stop the approval-damaging effects caused by bad credit. To us, negative accounts are just one of the many ways you can be UNFUNDABLE. And we know how to solve them ALL. But more importantly, Fundability Optimization® is a proven system that incorporates every aspect of fundability™ down to the smallest detail like the name of your business and the type of accounts you should have. Credit repair companies don’t even know this stuff.

You shouldn’t. If you want ONLY a few deletions and you aren’t worried about future funding possibilities, then by all means use a credit repair company. They make all kinds of promises about quick deletion results. If you believe them, try them. If you are disappointed in your results, give us a call and we will see if we can bail you out—just know it may take much longer to repair the damage they caused to your credit profile. Remember, credit repair firms have only one weapon in their arsenal and most of the time, using it ruins your chances for future fundability improvement and optimization.

Good thing you are talking to us! Our founder, Merrill Chandler has over 25 years experience in developing powerful and next-generation “fundability improvement” technology. More importantly, his experience with FICO® scoring models provides a significant strategic advantage over traditional credit repair techniques. Whereas credit repair companies will write simple “dispute” letters, the Fundability Advisors at will audit your complete credit profile for every account that is causing a loss of approval points—including derogatory accounts AND negative indicators—and then implement up to 14 different legal strategies depending on your situation and the types of negative listings you have. Better still, after all possible deletions have been implemented, we will apply optimization strategies that will ADD approval points to your borrower profile AND improve your chances for personal and business approvals. No credit repair company out there uses all of our “dispute” techniques, much less knows how to optimize and build a FUNDABLE personal and business credit profile.

Of course. It’s our favorite thing to do! What is fascinating is that most of our clients and students don’t have ANY bad credit—they came to us because they have GOOD credit and are still NOT fundable. In this situation, we implement our OPTIMIZATION technology to improve the FUNDABILITY of their personal and business credit profiles. This in turn, improves their chances for more credit approvals. Even without the use of our advanced disputing strategies, our system focuses on helping you shape your borrower profile to deliver the most underwriting approval points measured by FICO® scoring software.

Score does NOT equal fundability. Lenders are looking for the heft of your borrower profile, and underwriting software is designed to evaluate how you treat funds you have already received from previous lenders. Your “high” credit score simply means you will qualify for the type of credit you already have. Chase is not going to give you a $50K business line of credit based on your Home Depot reputation—even if your score is in the 800s.

That’s funny! That’s like saying eating well, exercising regularly, and being a non-smoker is manipulating the insurance system to get better health insurance rates…or driving well so you can qualify for better car insurance premiums. You know that being healthy or driving well is good for you, and the insurance system rewards you with lower rates for doing so. It’s the same with fundability.™ With, you will learn what it means to have healthy and fundable personal and business borrower profiles—and FICO® and lender underwriting software will reward you with more credit approvals.

Most lenders in America use one or more of the dozens of credit scoring software versions developed by Fair Issac Company (FICO®) to measure a borrower’s fundability™. (Yes! Dozens). The software measures 40 borrower behaviors over a 24-month look-back period. The higher the score, the lower the risk to the lender.

Absolutely not. Your credit score is only one of 10+ criteria that lenders look at to approve you for credit and may be the 3rd or 4th most important. A high credit score means only that you will qualify for more of the same type of credit you already have. Chase or Wells Fargo is NOT going to give you a $50K line of credit based on your Home Depot payment history. But it IS likely they will give you that $50K line of credit if you meet ALL the lender funding criteria. knows this and that is why we focus on the quality and FUNDABILITY of your personal and business credit PROFILES far more than just your credit score.

It depends on your current fundability™ situation. That is why we offer a FREE Fundability Strategy Session to qualified inquiries. Most of our clients see significant improvement within the first 90 days, with major fundability improvements within six months, but it may take longer for you depending on the current state of your borrower profile. Remember, this is not credit repair, and we are not promising a “quick fix.” We help you create fundamentally and structurally sound personal and business credit profiles that will yield the maximum approval points on all 40 FICO® criteria. It may take a little time, but we create real, long-term, dependable results.

Not enough. Especially when you consider the powerful and permanent FUNDING impact our Fundability Optimization® technology will have on your funding approvals. Generally, our optimization coaching packages range between $1000 and $25,000 depending on 1) your preferred service level, 2) whether you want personal and/or business fundability™ optimization, and 3) whether you are doing it for yourself or for you and a spouse/partner. Because this process is so revolutionary, we don’t want anyone to miss out because of money. Talk to your Fundability Strategist for payment options.

One thing is for sure, NOT having FUNDABLE personal and business credit profiles is costing you tens of thousands of dollars more than to have us help you create one. Interest savings alone on a single house or car will pay for your optimization coaching package several times over.

You don’t. Not yet. Not until you experience us for yourself. But, we can refer you to real clients with real success stories. And we can refer you to our AMAZING A+ Better Business Bureau report that demonstrates our commitment to delivering 100% satisfaction to our clients and students. By the way, our BBB reputation was earned the old fashioned way—by treating our clients and students with honor and integrity, not paid for. We are not “accredited” by the BBB and so they do not give us special treatment regarding our rating because we pay them membership fees. You can also verify that we are NOT on the Buyer Beware List of the Utah Department of Consumer Protection or ANY other regulatory body. In other words, we have NO complaints from any client, consumer, business, or regulatory agency. We deliver both amazing results AND keep our clients and students happy. We can also refer you to all the amazing information that we provide for free on the web that is available nowhere else.

If you need a little more information to see what we are about, you can register for our FREE web class or dive in deep and take our GET FUNDABLE Bootcamp, Risk Free! Then you can really explore the amazing world of fundability and how you can radically improve your personal and business funding approvals. The web class and Bootcamp will blow you away! Check them both out and see for yourself.

Because we’re awesome! No seriously, client and students ask us all the time why we provide such valuable information for FREE. Our answer is simple: because we want you to know how to take back your financial power and finally have control over your personal and business credit, your fundability, and your APPROVALS. We want you to have the education you need to create powerful and positive change for yourself and your loved ones. Period. If we can help you achieve your funding goals—great. If you want to do it yourself—great. We just want you to do something—and do it now.

Go to and you can see our Founder, Merrill Chandler pull back the curtain on the secrets of fundability™ and you can see for yourself how Fundability Optimization® can help you It’s that easy.

It’s the greatest thing to be offered to borrowers in decades! In this 30-60 minute session, you will discover 1) how FUNDABLE you are, 2) what is in the way of more and better funding approvals, and 3) what needs to be done to make you irresistible to lenders. Whether you partner with us on this project is completely up to you—the information and the Fundability Strategy Session are FREE to qualified inquiries. We simply want you to have the knowledge and power to take control of your approvals. If you want us to help, we will.

We blow you away with TLC and funding expertise. After your Fundability Strategy Session, when you decide which of our coaching packages is right for you, you will be assigned a 3-4 person team to help you through every step of your personal and/or business fundability optimization process. Your advisory team has extensive training in their respective fields and will be available to you during normal business hours to support your plan implementation and answer any questions regarding your optimization process.

Of course. Our Performance Warranty sets the standard for our commitment to you and your funding success. Personal Funding Optimization clients receive our commitment to support you until your credit scores reflect a Tier 1 FUNDABLE profile. Our Business Funding Optimization clients will receive a Tier 1 FUNDABLE personal credit profile PLUS support until you have at least $100,000 – $200,000 (depending on your coaching package) in true business credit or eighteen (18) months—whichever is longer.

Like nitrous to a street-racing car. The business world revolves around credit and funding. More importantly, your PERSONAL borrower profile is your most powerful BUSINESS Funding asset. And since your personal credit reputation is required to backstop any business credit, business lenders are going to check your personal credit to see how you have treated your previous lenders. When you optimize your personal credit profile, you super-charge your business fundability making it a true BUSINESS FUNDING MACHINE. With a strong personal borrower profile, you will be able to easily acquire unsecured business lines of credit, commercial loans, and private funding. There is no more powerful calling card in any business transaction than a FUNDABLE personal and business profile. It delivers the message that you are a conservative, powerful, serious business force to be reckoned with.

You don’t know what you don’t know. Most business owners have no idea what business lending underwriters are looking for OR where business funding deal killers are lurking. has the answers to these vital questions. offers the ONLY business fundability optimization technology in the nation. Your Fundability Strategy Session will determine the current fundability™ of your business and what steps need to be taken to significantly increase the amount of business funding you can qualify for.

Can you say more, more, more? For real estate investors the end game is simple: turn MORE flips, hold MORE cash-flow properties, and/or capitalize on MORE commercial real estate ventures. No matter what your focus is, our Fundability Optimization® process delivers a borrower profile that will yield the highest possible funding. Your personal and business credit profile will become a powerful tool so you can qualify for higher lines of credit, take on more properties, and dominate any real estate market you enter.

Run as far and fast as you can from anyone who offers to do that! To truly take control of your borrower reputation and create fundable personal and business borrower profiles, there are no shortcuts. We help you build a fundamentally sound credit profile that is YOURS—and yours alone. When our Founder Merrill Chandler met with the personal and business FICO® software development teams, he learned being an authorized user (AU) on someone else’s accounts or using someone else’s tradelines to temporarily raise your credit score will NOT get you what you want. FICO® values AU accounts at only 40% of the possible approval points of an individually owned account. We are committed to ensuring our clients and students maximize their borrower profile for FUNDING purposes—not for artificially and temporarily raising a credit score. Authorized user accounts and 3rd-party tradelines are NEVER recommended in our optimization plans.

Absolutely not. Your identity is the most important aspect of your credit profile. All of your credit and borrower information revolves around your identity. Variations of your identifying information (data points) create confusion about who you really are and how your current and future lenders can get hold of you. This confusion lowers lender’s confidence and their willingness to approve you for funding. Our process helps you understand how to use your real identity (name, address, phone number, date of birth and social security number) to create confidence in your current and future lenders. Lender confidence significantly improves your chances of being approved for credit. Besides, the most effective way to prevent identity theft is to have a bullet-proof personal credit identity. Find out how!