Jump to content
Member? but forgot everything, can't log in... Frozen out??? ×

THIS IS A POLITICS-FREE ZONE.

Business Credit

Information on establishing business credit and creating a business credit score.

22430 topics in this forum

  1. Pinned topics

  2. Business credit building from scratch. 1 2 3 4 64

    By BRBiz ,
    • 1.6k replies
    • 289.7k views

  4. *Biz Credit Approved....* 1 2 3 4 53

    By c m chase,
    • 1.3k replies
    • 656.9k views

  5. Newbies - for more than 60 days 1 2 3 4 13

    By breeze,
    • 312 replies
    • 155.8k views

  6. The new guide to establish business credit. 1 2 3 4 17

    By stroked89coupe,   
    • 414 replies
    • 173.8k views

  7. Small Business Lenders register here

    By breeze,   
    • 11 replies
    • 17.4k views

  8. Biz credit apps 1 2 3 4 6

    By breeze,
    • 130 replies
    • 166k views

  9. Duns and Bradstreet-Your Credit File 1 2 3 4 14

    By Guest missty1029,
    • 327 replies
    • 245.8k views

  10. Some good info on business credit cards

    By BRBiz ,
    • 16 replies
    • 16.9k views

  11. Business Credit Listing 1 2 3 4 9

    By magumpus,
    • 211 replies
    • 194.7k views

  12. Ikea business credit app 1 2

    By breeze,
    • 27 replies
    • 47.8k views

  13. Underwriting Phone Numbers/Contacts Mother Thread 1 2

    By manifesto,
    • 49 replies
    • 112.6k views

  14. Shelf Corp Info Thread 1 2 3

    By breeze,
    • 74 replies
    • 86.9k views

  15. OMG OMG - I GOT A CITI BUSINESS CARD!!! 1 2 3 4 27

    By jenyphur,
    • 667 replies
    • 281.8k views

  16. Step by step help please.... 1 2 3 4 9

    By roxy,
    • 205 replies
    • 235.6k views

  17. Solicitations and advertising

    By breeze,
    • 15 replies
    • 26.1k views

  18. Biz Thread Ah-Ha Moments 1 2 3

    By JessicaRabbit88,
    • 62 replies
    • 91.3k views

  19. Bank of America referral thread 1 2 3 4

    By breeze,
    • 89 replies
    • 101k views

  20. Biz Credit Building Pinned topic spinoff 1 2 3 4 5

    By JessicaRabbit88,
    • 101 replies
    • 61.9k views

  21. CB's Biz Owners Yahoo Group (merged thread) 1 2

    By breeze,
    • 32 replies
    • 50.8k views

  22. **BIZ CREDIT** Business Credit Building... The Mother Thread 1 2 3 4 39

    By BizCredit,
    • 965 replies
    • 332.9k views

  23. Other topics

  24. Business Checking Accounts

    By zpcsc,
    • 0 replies
    • 1k views

  25. Identifying Accounts on business credit report

    By mactube,
    • 1 reply
    • 474 views

  26. Trying to get a Business Credit Card (American Express Blue Business Plus Application)

    By evanmoore1234,
    • 3 replies
    • 3.6k views

  27. Two new cards

    By ShawnPY1972,
    • 0 replies
    • 789 views

  28. High Limit Credit Card for New LLC

    By mactube,
    • 3 replies
    • 1.8k views

  29. Business Credit

    By ShawnPY1972,
    • 2 replies
    • 1.6k views

  30. Chase Bank Line of Credit

    By mactube,
    • 1 reply
    • 1k views

  31. PNC Bank in Florida, which credit bureau does it pull from?

    By PYMoises,
    • 1 reply
    • 1.2k views

  32. How Long Does it Take to Show Up on D&B?

    By wandamoore94,
    • 8 replies
    • 1.6k views

  33. Tier 2 accounts

    By MONTRELL,
    • 5 replies
    • 2.7k views

  34. Has anyone been denied business credit from using a virtual office address as physical place of business?

    By user9430961,
    • 18 replies
    • 16.2k views

  35. Grainger reports to D&B in the Spring

    By nawlins48,
    • 13 replies
    • 6.5k views

  36. Credit cards

    By Terrell5555,
    • 0 replies
    • 1.3k views

  37. Paypal Business Mastercard is No More!

    By direct,
    • 1 reply
    • 1.7k views

  38. AMEX Hard or Soft Pulls for existing clients.

    By sonisan11,
    • 3 replies
    • 1.8k views

  39. What Bureau * / CRA Database NIH Federal Credit Union Pulls?

    By Captainofthe7Cs,
    • 1 reply
    • 1.5k views

  40. Next card to apply too

    By debtstopay,
    • 4 replies
    • 2.3k views

  41. What bureau Wells Fargo is reporting to

    By YoloFL,
    • 1 reply
    • 1.4k views

  42. Denied Amex

    By OP4489,
    • 5 replies
    • 2.5k views

  43. does iPostal1 work to build business credit can i use this to build my business credit?

    By DoNCEO,   
    • 2 replies
    • 2.4k views

  44. Next credit step

    By debtstopay,
    • 0 replies
    • 1.2k views

  45. $10 k - how to make it work for me

    By debtstopay,
    • 2 replies
    • 1.7k views

  46. Chase 5/24 No More in 2024? Post Your Results Here!

    By Harp76,
    • 0 replies
    • 1.3k views

  47. $10 k - how to make it work for me

    By debtstopay,
    • 0 replies
    • 1.3k views

  48. Which Bank is easy for an online business

    By Notright,
    • 0 replies
    • 1.3k views

  49. BLOC or loan Question

    By EdgeOfGreat,
    • 0 replies
    • 1.1k views

  50. Purchased an S.Corp.... can I have 2 company addresses while building credit?

    By Matt7,
    • 1 reply
    • 1.3k views

  51. Why my paydex still isn’t here

    By Divinity75679,
    • 0 replies
    • 1k views

  52. Business Credit card that can help personal credit?

    By 123890,
    • 0 replies
    • 1.7k views

  53. Business credit report

    By BetrCred,
    • 1 reply
    • 1.3k views

  • Recently Browsing   0 members

    • No registered users viewing this page.



  • Our picks

    • Collections, but Comcast didn't let me pay.

      FixTheProblems posted a topic in Credit Forum,

      Hello good folks,
       
      Background: last October, Comcast locked my account because *a stranger* (mistakenly) paid for it with a credit card, and later disputed the charge with their credit card company and did a chargeback. Comcast made it so I couldn't use any type of credit/debit cards to pay. It took some give months to even expose this issue, as agents didn't know why my account was locked. I cancelled my account but they still wouldn't let me pay. Eventually, they sent it to collections, which very promptly hit my credit history with a "Collections" derogratory record.
       
      Unfortunate timing, because I'm in the market right now for a mortgage. Without this note, my credit history is close to perfect, with FICO8 of 835+, and VantageScore3 of 810+.  With this, the scores drop to about 710 and 760 respectively. Meaning, either mortgage denial or higher interest rate, leading to huge sums wasted.
       
      My questions are:
      1) What is the best way to get this rectified and get this record off my history?  
                  - Is it possible to do a "pay for delete"?  
                  - Should I be talking to Comcast or to the collections agency?  
                  - Is there something I need to to in the interim, like disputing the record?  
                  - What would be the fastest way to deal with this? Ideally, I want to apply for a mortgage in the next week if possible. If not possible, in the next 3-8 weeks.  
       
      2) Are there particular mortgage lenders that use a more favorable scoring so this one single negative record doesn't hurt my mortgage rate?  
                  - My understanding is, FICO8 has this 120+ point drop for the first negative record, while other scores (like VantageScore3) doesn't drop so dramatically. Is this correct?
       
      Thank you very much in advance.
      • 67 replies
      MarvBear

      Picked By

      MarvBear,

    • Titty Bank Wants More Smoke

      RehabbingANDBlabbing posted a topic in Credit Forum,

      So my DH had a Citi/Best Buy card that was charged off in 2017. After beginning our credit repair process, I noticed the account was reporting the payment history inaccurately on Equifax and Experian. We disputed many times, then ended up suing them for FCRA violations. They settled the case by forgiving the debt and deleting the account from all reports.
       
      But now they’re back! In 2020, they sent us a 1099-C for an amount just a little bit shy of the balance. I believe it was just the principal balance, which amounted to $4,600. Well, as you know, it’s tax season. And who decides to send us another 1099-C for the same account/debt? Titty bank. They put the full amount of the debt this time; which was about $600 more than the first 1099-C they sent.
       
      I have consulted my lawyer because it seems illegal for them to write off the same debt twice. He has advised we should sue them again. While I’m sure we can win the case, litigation and settlement takes about a year to do, based on our past experiences. It ended up costing us an extra $1,200 in taxes this year. What do y’all think? Should we spend more time and effort on this situation? I’m pretty sure Titty also violated terms in our settlement agreement for the FCRA case as well, in regards to them not pursuing further collection activity.
       
      Any advice would be appreciated.
      • 24 replies
      MarvBear

      Picked By

      MarvBear,

    • American Express Member Since

      MP80 posted a topic in Credit Forum,

      I have come across a credit topic involving data point information that concerns AmEx's D* policy (which no longer exists) which triggered and raises an important question that may be of interest to anyone who has an AmEx credit card in their relationship history with AmEx.

      This is to give credit and courtesy to an excerpt from the @cashnocredit post...
       
       
      "I had an Amex in 1974, which closed in the early 80s. Opened a new one in 2011 but they didn't backdate me then. Had no record of it (which was always paid on time)."
       
      Question? 
       
      Does AmEx have all your previous applications and cards approved and store all positive and negative data indefinitely?
       
      • 42 replies
      MarvBear

      Picked By

      MarvBear,

    • Vig's Points, Miles, Cash Back, Earnings, Redemptions, and Shenanigans 2023 Edition

      TheVig posted a topic in Credit Forum,

      I decided to continue another year of my glorified spreadsheet. 2022 was a disappointment in the shenanigans dept. Most of the dive hotels I stay at did remodels during the pandemic. Not too many WTH moments. Disciplining myself to go under 5/24, allowed me to add a Chase CSP and CFU to the mix in 2022. The various dumpster dive apps I use paid off. To the tune of about $2000 in value.
       
      Inflation being what it is, I'm more hyper sensitive than ever on what spend goes on what card, to maximize spend multipliers.
       
      Credit Cards:
      Amex Gold & Every Day MR 441,390
      Amex Delta SkyMiles 205,415
      Citi MileUp MC American Airlines 69,345
      FNBO Amtrak Guest Rewards MC 135,948
      Chase CSP / CFU Signature Visa UR 101,559
      Chase IHG Traveler MC 66,064
      BofA Customized Cash Rewards Visa (3% Travel) $0.88
      Citi Double Cash MC (2% CB / TYP Everything) 21,186
      Citi Premier MC Thank You Points 34,280
      Choice Privileges Visa Signature 360,660
      WF Active Cash Signature Visa (2% CB Everything) $87.44
       
      Shopping Portals and Apps / Stacking Opportunities:
      DOSH (CB) $18.56
      Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 6857
      Fetch Rewards (GC) 27,439 Points
      Ibotta (CB or GC) $7.65
      Upside (CB or GC) $14.15
      CoinOut (CB or GC) $8.65
      Payce (CB) $18.97
      Receipt Hog (CB or GC) 3156 Coins
      Receipt Jar (GC) 2013 Points
      Receipt Pal (GC) 4725 Points
      Shell Fuel Rewards (Earning AA Miles 2miles/gal.)
      Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)
      AA Simply Miles
      Airline / Hotel Dining and Shopping Portals
       
       
      • 170 replies
      MarvBear

      Picked By

      MarvBear,

    • When will this last baddie actually drop off??

      tps7c posted a topic in Credit Forum,

      Hi Everyone!
       
      I have one last bad account, unfortunately a repo, that is still on my Experian and Equifax reports. Before Experian changed their report format, at some point last year the repo account said "on report until April 2023." Well, it's April and it's still showing. Could it be until the END of April? Would it be worth calling Experian's backdoor number and asking about it? Maybe sweet talking them to delete it early? lol
       
      What do you guys think? In comparison, this account was scheduled to drop off my Transunion report in January and was gone in December. Equifax is the worst and it show dropping from the report in July. 
       
      Thanks guys!
      • 15 replies
      MarvBear

      Picked By

      MarvBear,
    View All

  • Posts

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.

Pages

×
×
  • Create New...

Important Information

Guidelines

  I accept