Funding Freedom

Resource Library

All Funding Freedom Challenge resources organized by category. AI tools, templates, pre-qualification links, legal references, and more.

AI Apps (VIP Bonuses — Promo Code: 5DAY)

4

Credit Repair AI

Upload credit report, find violations, generate dispute letters

Open

Funding AI

Upload credit report, get scored out of 100, identify deal-breakers

Open

SIC Code Finder

Check if your business industry is high-risk

Open

90-Day Finance

Upload bank statements + credit report for spending analysis PDF

Open

Documents & Guides

19

6 Types of Financing You Can Get Right Now

Financing options even with credit issues or no collateral

Open

10 Ways to Get Business Credit Lines & Loans

Methods for obtaining business credit and funding

Open

Apple Card Approval Blueprint

Step-by-step guide to getting approved for the Apple Card

Open

Building Blocks of Business Credit

Business credit funding fundamentals — PowerPoint

Open

Liquidate Credit Card

Guide and resources for credit card liquidation strategies

Open

30 Bank Funding Playbook

Spreadsheet of 30 banks with bureau pulls, products, and strategies

Open

"Start Up" Book (Free Digital)

Herman's book on accessing business funding

Open

Inquiry Removal Letter Template

Q's template for bureau dispute letters

Open

Comprehensive AI Credit Repair Prompt

Q's full forensic credit repair prompt for ChatGPT (long version)

Open

AI Credit Repair Letter Generation Prompt

ChatGPT prompt for generating dispute letters from analysis

Open

Q's Inquiry Letter eBook

Detailed inquiry removal guide (discounted price)

Open

Auto Loan Inquiry Intake Form (Experian)

Google Form to submit auto loan inquiry removals to Experian

Open

Restricted / High-Risk Industries

List of industries that trigger lender caution

Open

Top 20 Lender-Friendly Industries

Best industries for business funding approval

Open

Power of Pledge Loans

eBook covering 50 banks that offer secured pledge loans

Open

50 Credit Unions (Soft Pulls)

Credit unions that do soft-pull pre-qualification

Open

Biz + Personal Double-Dip Cards

Banks where you can get multiple cards with one inquiry

Open

Strategic Credit Mastery PPT

Comprehensive credit optimization presentation

Open

Foundations for Funding Company

How to start a funding company — slides

Open

Credit Monitoring

4

IdentityIQ ($1 tri-merge)

Full tri-merge credit report from all 3 bureaus for $1

Open

CreditBoards.com

Look up which bureau each bank pulls in your state

Open

HelpMeBuildCredit.com

Credit building resources and tools

Open

AnnualCreditReport.com

Free annual credit reports from all 3 bureaus

Open

Credit Bureau Contacts

3

Experian

Main: 888-397-3742 | Direct: 714-830-7000 | Fraud: 877-870-5640

Open

TransUnion

Phone: 800-916-8800

Open

Equifax

Phone: 888-378-4329

Open

Pre-Qualification Links (No Hard Inquiry)

15

SoFi

Up to $100K personal loan

Open

Upgrade

Up to $50K personal loan

Open

Best Egg

Up to $50K personal loan

Open

Prosper

Up to $50K personal loan

Open

Upstart

Up to $50K personal loan

Open

Discover Personal Loans

Up to $40K personal loan

Open

LendingClub

Up to $40K personal loan

Open

OneMain Financial

Up to $20K personal loan

Open

Universal Credit

Up to $50K personal loan

Open

Rocket Loans

Up to $45K personal loan

Open

Achieve

Up to $50K personal loan

Open

Happy Money

Up to $40K personal loan

Open

Reach Financial

Up to $40K personal loan

Open

Avant

Up to $35K personal loan

Open

LendingPoint

Up to $36.5K personal loan

Open

No-Inquiry Credit Cards (Freeze Trick)

3

Apple Card

Soft pull on TransUnion — freeze TU before accepting to avoid hard inquiry

Open

Upgrade Card

Soft pull pre-qualification

Open

Westgate (WOW Mastercard)

Soft pull pre-qualification

Open

Credit Unions (Pre-Qualification)

7

NASA Federal

Credit card rewards pre-qualification

Open

Navy Federal

Credit card pre-qualification

Open

PenFed

Credit card offerings

Open

CCU / Adelfi

Credit card pre-qualification

Open

Wings Financial

Loan pre-qualification

Open

All In CU

Phone-based pre-qualification

Open

KeyPoint (Auto Only)

Auto loan pre-qualification

Open

Business Tools

7

BNB Financial

Trade line reselling — free sign-up

Open

LegalShield

On-demand lawyer access — $59/mo premium

Open

Grasshopper

Business phone number — ~$10/mo

Open

RingCentral

Business phone system — ~$10/mo

Open

LandingSite.ai

Free AI-built business website

Open

PandaDoc

E-signatures for contracts

Open

DocuSign

E-signatures for contracts

Open

Video Tutorials

3

Day 1 Training Replay

Full Day 1 challenge training video

Open

How to Reverse Late Payments

Step-by-step walkthrough for removing late payments from your credit report

Open

How to Remove Charge-Offs

Walkthrough for disputing and removing charge-offs

Open

Study & Community

2

Funding Freedom Challenge NotebookLM

Google NotebookLM study resource for the challenge content

Open

Q (Quasham White) — Instagram

Credit specialist featured in the challenge

Open

AI Dispute Prompts (Day 4)

4

Forensic Audit Prompt

Paste charge-off or student loan tradeline into ChatGPT — identifies FCRA/Metro 2 violations, balance inconsistencies, re-aging, duplicate reporting, and strongest dispute angles

Open

Charge-Off & Student Loan Dispute Letter Prompt

Generates a Round 1 factual and structural dispute letter citing 15 USC §1681e(b), §1681i(a), §1681s-2 — emotionally firm, legally aggressive, not a generic template

Open

Pre-Suit Collection Dispute Letter Prompt

Upload a marked-up collection notice — extracts FDCPA/FCRA violations and generates a pre-suit dispute letter with validation demands

Open

Affidavit of Truth Generator Prompt

Upload your pre-suit dispute letter — generates a sworn Affidavit of Truth under penalty of perjury with conditional acceptance clause

Open

Tax Strategy (Day 4)

4

IRS Code Section 162(a)

Ordinary and necessary business expenses are tax-deductible — the foundation of all business deductions

Open

CDFI Loans

Community Development Financial Institution loans — $25-50K with just a business plan + LLC, no credit check required

Open

SBA 7(a) Loans

SBA-backed loans for business acquisitions — bank lends based on business cash flow, not just your credit

Open

BizBuySell

Browse businesses for sale — look for proven cash flow, 2-3x annual profit asking price

Open

Legal References

13

FCRA — Permissible Purpose

15 USC 1681b — Defines who can access your credit report and why

FCRA — Accuracy

15 USC 1681e(b) — Bureaus must follow reasonable procedures for accuracy

FCRA — Investigation

15 USC 1681i — Bureau must investigate disputes within 30 days

FCRA — Furnisher Obligations

15 USC 1681s — Data furnishers must report accurate information

FDCPA — Validation

15 USC 1692G — Collectors must provide debt validation notice

FDCPA — Deceptive Practices

15 USC 1692E — Prohibits misleading collection tactics

FDCPA — Unfair Practices

15 USC 1692F — Prohibits unfair collection methods

FDCPA — Regulation F

CFPB rules on time-bar disclosure and communication practices

CARD Act of 2009

Allows household income on credit applications

Regulation Z (CFPB §1026.51)

Income rules for credit card applications

Regulation B

Federal Reserve — Equal credit opportunity

Hinkle v. Midland

Case law — consumer rights in debt collection

Cushman v. Trans Union

Case law — bureau liability for inaccurate reporting