1282 replies to this topic

[cedars1]

Creditor Name: Sears Commercial Credit
Credit Limit/Terms: approved for $5000.00, but after talking with account rep got bumped up to $9500.00/Revolving
Apply Online/Fax/Mail/Phone: FAX
Reports to: D&B, Exp, or both (if known): both I think
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: YES, but no pull!
Have you been in business for 2 years or more: Yes
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 80 paydex, 5 TLs, EXP - 81, 5 TLs
If you received a turndown, did a call reverse it: n/a
Did you fax over financials, at all, to influence decision: No, Faxed over Date Business Started Letter and they called the next day!

Edited by cedars1, 26 March 2010 - 11:56 AM.

[haywoodgw]

Creditor Name: Sears Commercial Credit
Credit Limit/Terms: approved for $5000.00, but after talking with account rep got bumped up to $9500.00/Revolving
Apply Online/Fax/Mail/Phone: FAX
Reports to: D&B, Exp, or both (if known): both I think
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: YES, but no pull!
Have you been in business for 2 years or more: Yes
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 80 paydex, 5 TLs, EXP - 81, 5 TLs
If you received a turndown, did a call reverse it: n/a
Did you fax over financials, at all, to influence decision: No, Faxed over Date Business Started Letter and they called the next day!

Called Pitney Bowes today to inquire about the purchase power...
The rep told me all he has to do is activate it, came back and told me I have a $2500 limit.
When I got off the phone and went back to my account, it listed a $5000 limit! Yay!

Does PB report?
Also, got good results with a quill order, and a Uline order... both shipped on net 30...

[blk281]

Opened up new corporation on 11/2009, transferred DUNS number and DNB credit files from old company to new company.

Who? Shell Fleet
Exxon/Mobil Business

How many reporting on DnB/Experian Biz? 5

Paydex - if available? 80

Credit limit? $3800 for Shell, $5000 for Exxon/Mobil

PG? Nope

Terms? Revolving

Provide them additional information/financials? No

Application? (online/in store/phone)? Online

Other info? Got code 25 online for Exxon/Mobil-called in and they verified biz address and years I was there, approved 4 minutes later.
Approved online in minutes for Shell card.

[haywoodgw]

Who? Newegg

How many reporting on DnB/Experian Biz? 0

Paydex - if available? 0

Credit limit? 5000

PG? No

Terms? Net 30

Provide them additional information/financials? Verified Business Address, and AOI.

Application? (online/in store/phone)? Online

Other info? Took about a week to process...

[Falcon1871]

Staples - $500

Sears - $5000

I am waiting for the cards.

Paydex - 80

LLC since 09/2008

[AIMANZUL]

May I ask what everyone is planning to do with the business credit that they are trying to establish ?
Aimanzul

[expectator]

May I ask what everyone is planning to do with the business credit that they are trying to establish ?
Aimanzul

In my case, I am running a business and need to stablish credit for it to get some decent vendors lines of credit. and in the future probably a bank LOC.

[SeekingWealth]

Creditor Name: Phillips 66/Conoco
Credit Limit/Terms: approved for $500.00
Apply Online/Fax/Mail/Phone: Online
Reports to: D&B, Exp, or both (if known): n/a
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: n/a
Have you been in business for 2 years or more: Yes
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 80 paydex 10 payment experiences, EXP - 43, EQ Unknown
If you received a turndown, did a call reverse it: Yes, originally wanted a PG. But told them I had a Shell and they approved.

Creditor Name: Valero
Credit Limit/Terms: approved for $3000.00
Apply Online/Fax/Mail/Phone: Online
Reports to: D&B, Exp, or both (if known): n/a
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: n/a
Have you been in business for 2 years or more: Yes
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 80 paydex 10 payment experiences, EXP - 43, EQ Unknown
If you received a turndown, did a call reverse it: n/a

Creditor Name: Chevron/Texaco
Credit Limit/Terms: approved for $2000.00
Apply Online/Fax/Mail/Phone: Online
Reports to: D&B, Exp, or both (if known): n/a
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: n/a
Have you been in business for 2 years or more: Yes
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 80 paydex 10 payment experiences, EXP - 43, EQ Unknown
If you received a turndown, did a call reverse it: n/a

Creditor Name: Amazon Corporate / GE Money Bank
Credit Limit/Terms: approved for $2000.00
Apply Online/Fax/Mail/Phone: Online
Reports to: D&B, Exp, or both (if known): n/a
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: n/a
Have you been in business for 2 years or more: Yes
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 80 paydex 10 payment experiences, EXP - 43, EQ Unknown
If you received a turndown, did a call reverse it: n/a

[SeekingWealth]

Creditor Name: Sears Commercial One
Credit Limit/Terms: approved for $5000.00
Apply Online/Fax/Mail/Phone: Online
Reports to: D&B, Exp, or both (if known): n/a
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: n/a
Have you been in business for 2 years or more: Yes
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 80 paydex 10 payment experiences, EXP - 43, EQ Unknown
If you received a turndown, did a call reverse it: n/a

[ChrisPA]

Creditor Name: Sears Commercial One
Credit Limit/Terms: approved for $5000.00
Apply Online/Fax/Mail/Phone: Fax
Reports to: D&B, Exp, or both (if known): n/a
Did you give the creditor your D&B, and/or Experian file to assure reporting? Yes
Did you need a PG: yes
Have you been in business for 2 years or more: No, Inc'd 7/09
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 80 paydex 9 TLs (see sig)
If you received a turndown, did a call reverse it: n/a

[Dreamcatcher850]

PLEASE HELP ~ I need some advice
Question:

I am a newbie and I am in the process of establishing business credit using the techniques I have read here in the forum. I am currently waiting for my Duns number. In the meantime I want to apply for business credit cards and use my personal credit scores as the credit guarantor. However I just applied for a Capital One Platinum Business Credit Card and was denied for having a short credit history.

Do you know any lenders that are friendly to new businesses with a LOH of 2.10 years [i.e. my oldest account was opened in 07]?[/size]

FICO Scores:
TU: 724
EX: 712
EQ: 691

Date Biz Started: 08/2009

Types of Accounts:
INSTALLMENT:
- Suntrust Bank

REVOLVING:
- Capital One 337/1500 07/07
- Suntrust Bank 150/3000 08/07
- Citi 81/8300 07/09
- Target 80/ 5000 10/09
- Discover 60/5000 11/07
- Amex - closed
- Target 0/ 500 08/07

No late pays ever.

Please help, I don't want to aquire alot of hurtful inquiries. I noticed how important inquires are in todays recession environment.

[ChrisPA]

Questions don't go in this thread...this is just for approvals. Create your own thread for this...

[jessicarabbit206]

Creditor Name: Staples
Credit Limit/Terms: $1500 - Revolving
Apply Online/Fax/Mail/Phone: online
Reports to: D&B, Exp, or both (if known): ?
Did you give the creditor your D&B, and/or Experian file to assure reporting?: No
Did you need a PG: No
Have you been in business for 2 years or more: Yes
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 79 paydex, 12 TLs, EXP - Score Unknown, 17 TLs
If you received a turndown, did a call reverse it: n/a
Did you fax over financials, at all, to influence decision: No

[helpme03]

If approved: Sprint/Next
Who?
How many reporting on DnB/Experian Biz? 0
Paydex - if available? No
Credit limit? 12 Lines no Deposit no Spending limit bill to account
PG? yes
Terms?
Provide them additional information/financials? Yes...I was originally approved for 5 lines/ $100 deposit per line...was then told if i pg then it might help....they did a blended score it got increased to 12 lines/ $100 deposit per line...I faxed over 3 months of utility bills and they waived the deposit...I didn't need 12 lines...I only needed two...
Application? (online/in store/phone)? applied by phone.
Other info?

If denied:
Who?
How many reporting on DnB/Experian Biz?
Reason for denial?
Other info?

[newbie626]

If approved: Sprint/Next
Who?
How many reporting on DnB/Experian Biz? 0
Paydex - if available? No
Credit limit? 12 Lines no Deposit no Spending limit bill to account
PG? yes
Terms?
Provide them additional information/financials? Yes...I was originally approved for 5 lines/ $100 deposit per line...was then told if i pg then it might help....they did a blended score it got increased to 12 lines/ $100 deposit per line...I faxed over 3 months of utility bills and they waived the deposit...I didn't need 12 lines...I only needed two...
Application? (online/in store/phone)? applied by phone.
Other info?

If denied:
Who?
How many reporting on DnB/Experian Biz?
Reason for denial?
Other info?

Great to hear but they dont report anything unless you dont pay... Also I have a newly pay dex score of 80 but still cant get a lender or credit card...

[helpme03]

I have a friend who works at the Sprint store here in Vegas...for business accounts there is a space for the duns number...he put it in for me!

[gettinstarted08]

Creditor Name: Sears Commercial Credit - NET 30
Credit Limit/Terms: approved for $6000.00
Apply Online/Fax/Mail/Phone: FAX, approval by phone call 2 days later.
Reports to: D&B, Exp, or both (if known): ?
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: NO
Have you been in business for 2 years or more: Yes
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 80 paydex with 20 TLs, EXP - 97 with 13 TLs
If you received a turndown, did a call reverse it: n/a
Did you fax over financials, at all, to influence decision: NO

[GermanFoodStoreLLC]

Creditor Name: Office Depot
Credit Limit/Terms: approved for $1000
Apply Online/Fax/Mail/Phone: FAX, approval by phone call 2 days later.
Reports to: D&B, Exp, or both (if known): ?
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: NO
Have you been in business for 2 years or more: No
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 76 paydex with 5 TLs, EXP - 17 with 1 TLs
If you received a turndown, did a call reverse it: n/a
Did you fax over financials, at all, to influence decision: NO

[Arnold Boys]

If approved:
Who? Wright Express
How many reporting on DnB/Experian Biz? 3
Paydex - if available? not showing yet
Credit limit? $15000
PG? No
Terms? 30 days
Provide them additional information/financials? None
Application? (online/in store/phone)? Online/phone
Other info?

If denied:
Who?
How many reporting on DnB/Experian Biz?
Reason for denial?
Other info?

[william17]

Creditor Name: Northern Tool -Revolving
Credit Limit/Terms: approved for $15,000.00
Apply Online/Fax/Mail/Phone: Online
Reports to: D&B, Exp, or both (if known): ?
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: NO
Have you been in business for 2 years or more: Yes ,13 years
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 79 paydex with 20 TLs, D&B rating BA3
If you received a turndown, did a call reverse it: n/a
Did you fax over financials, at all, to influence decision: NO

[william17]

Creditor Name: Amazon-Revolving
Credit Limit/Terms: approved for $2,500.00
Apply Online/Fax/Mail/Phone: Online
Reports to: D&B, Exp, or both (if known): ?
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: NO
Have you been in business for 2 years or more: Yes ,13 years
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 79 paydex with 20 TLs, D&B rating BA3
If you received a turndown, did a call reverse it: n/a
Did you fax over financials, at all, to influence decision: NO

Didn't get a instant decision so I called and they just wanted to verify some information.

[sharedaluv]

PLEASE HELP ~ I need some advice
Question:

I am a newbie and I am in the process of establishing business credit using the techniques I have read here in the forum. I am currently waiting for my Duns number. In the meantime I want to apply for business credit cards and use my personal credit scores as the credit guarantor. However I just applied for a Capital One Platinum Business Credit Card and was denied for having a short credit history.

Do you know any lenders that are friendly to new businesses with a LOH of 2.10 years [i.e. my oldest account was opened in 07]?[/size]

FICO Scores:
TU: 724
EX: 712
EQ: 691

Date Biz Started: 08/2009

Types of Accounts:
INSTALLMENT:
- Suntrust Bank

REVOLVING:
- Capital One 337/1500 07/07
- Suntrust Bank 150/3000 08/07
- Citi 81/8300 07/09
- Target 80/ 5000 10/09
- Discover 60/5000 11/07
- Amex - closed
- Target 0/ 500 08/07

No late pays ever.

Please help, I don't want to aquire alot of hurtful inquiries. I noticed how important inquires are in todays recession environment.

[engco10]

Creditor Name: Exxon Mobil fleet
Credit Limit/Terms: approved for $3000.00
Apply Online/Fax/Mail/Phone: Online
Reports to: D&B, Exp, or both (if known): ?
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: NO
Have you been in business for 2 years or more: Yes
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 76 paydex with 17 TLs, exp ? 3tl's
If you received a turndown, did a call reverse it: n/a
Did you fax over financials, at all, to influence decision: NO

[expectator]

How long did you wait before calling them? I just applied today and the message said that will receive a decision by mail from 7 to 10 days.
Thanks,

Creditor Name: Amazon-Revolving
Credit Limit/Terms: approved for $2,500.00
Apply Online/Fax/Mail/Phone: Online
Reports to: D&B, Exp, or both (if known): ?
Did you give the creditor your D&B, and/or Experian file to assure reporting? No
Did you need a PG: NO
Have you been in business for 2 years or more: Yes ,13 years
What are your D&B score & Experian score, & # of tradelines reporting? D&B - 79 paydex with 20 TLs, D&B rating BA3
If you received a turndown, did a call reverse it: n/a
Did you fax over financials, at all, to influence decision: NO

Didn't get a instant decision so I called and they just wanted to verify some information.

[TylerDurden]

I'm going to share a ton of valuable information
that I have paid thousands of dollars for,
so you can have some additional sources of funding
that are approving now (Nov 2010)
(not bragging, I just want you to know the value)

Credit Boards has helped me in my business credit journey
so much that I want to continue to give back:

Since I am sharing so much valuable info,
please allow me to ask one short question at
the end. I know you're not supposed to ask
questions in this thread, but the answer will
actually help others to get MORE Biz Credit Approved !!

************************************************************
Most recent accounts that I got approved for:
I have 2 LLC's -
I used my newer one with 0 Biz Credit for these apps
5 Years Old - No Paydex or Experian Scores
************************************************************

approved:
Who? Superior Financial Group
How many reporting on DnB/Experian Biz? No DnB - No Experian
Paydex - None
Credit limit? $5000 - may get raised to $10,000
PG? Yes - Very Flexible with less than perfect credit
Terms? Installment all funds initially deposited - Low Rate (6% to 8%)
Provide them additional information/financials? No Doc - All Stated
Application? (online/in store/phone)? Online
Other info?
----------------------------------------------------------------------

approved:
Who? Accion USA
How many reporting on DnB/Experian Biz? No DnB - No Experian
Paydex - None
Credit limit? Uncertain - App is Pending
PG? Yes - Very Flexible with less than perfect credit
Terms? Installment all funds initially deposited
Provide them additional information/financials? Low Doc
-------------- Accept Quick Books or Bank Statments
Application? (online/in store/phone)? Online
Other info? Very Flexible with less than perfect credit
--------------------------------------------------------------------------

approved:
Who? Barclay's Air Tran Visa ( 0% intro - trad. biz cr card)
How many reporting on DnB/Experian Biz? No DnB - No Experian
Paydex - None
Credit limit? $7500
PG? Yes - with good personal credit and 0 Biz Credit - will approve
Terms? 0& Intro Period
Provide them additional information/financials? No Doc
Application? (online/in store/phone)? Online
Other info?
---------------------------------------------------------------------

approved:
Who? Key Bank
How many reporting on DnB/Experian Biz? No DnB - No Experian
Paydex - None
Credit limit? $7500
PG? Yes - good personal credit and no biz credit is ok
Terms? 0% intro rate
Provide them additional information/financials? No Doc - All Stated
Application? (online/in store/phone)? Online
Other info?
-----------------------------------------------------------------
declined - too many inquiries
Who? First National Bank of Omaha Biz Credit Card
How many reporting on DnB/Experian Biz? No DnB - No Experian
Paydex - None for this LLC
Credit limit? 0
PG? Yes -
Terms? 0% intro rate
Provide them additional information/financials? No Doc - All Stated
Application? (online/in store/phone)? Online
Other info? Called to get an approval -
they stuck to the too many inquiries decision
--------------------------------------------------------------------------

declined - due to FIA Card Services (see 'other info' below)
Who? Regions Bank
How many reporting on DnB/Experian Biz? No DnB - No Experian
Paydex - None
Credit limit?
PG? Yes - Very Flexible with less than perfect credit
Terms? 0% intro
Provide them additional info? No Doc - All Stated
Application? (online/in store/phone)? Online
Other info?
*** Watch out for any Credit Issuer that uses FIA Card Services ***
*** Somehow they can see all your debt business and personal,
*** even if you didn't put the info for the debt on the app
*** To the best of my knowledge, this has been my experience ***

--------------------------------------------------------------------------

I recommend Funding Universe -
They link your credit to bank's underwriting guidelines
I paid them $100 and talked to a consultant
and got $30+K in funding so far.
They have a hard sell for a $3000 program, but if you pay the $100
and talk to the gentleman at ext 123, you can get a wealth of
info for only $100, and you can do more business with them later
after they help you. 888 779 8393

They also recommended SBFC law group - they are currently doing
a 12 month inquiry sweep for $500. They say they can remove either
All or almost every inquiry in 2 to 4 weeks, and they keep working
till they are off. 801 858 3329

SBFC also does credit repair for $2K
if you negotiate with them, with $500 a month for 4 months.
They are lawyers and paralegals: Very Legit

Private Message me for more information, and others
have helped me build credit without charging me,
so I'd be happy to answer any questions that I can.

***********************************************************
QUICK QUESTION - if that is ok with everyone:
***********************************************************
I have an LLC 5 to 6 years old with an
Experian Intelliscore Plus and PBR of 72 (Low-Medium Risk)

I have nothing reporting to DnB for this LLC

I want to get some non-pg cards with no personal inquiries:
Such As:

* Costco
* Best Buy
* Home Depot or Lowes
* Sears
* Dell or Apple
* Other Retail accounts with no PG etc
****************************************************************
Can anyone tell me who will approve me with
72 Experian Biz Score & 5 to 6 years in business:
* without having a DnB profile and
* without pulling personal credit.

I am willing to get some business credit with
any retail or biz credit card With A PG that
only pulls Equifax personal, I have the least INQ's with EQ
******************************************************************

Any Help is Greatly Appreciated.
Feel Free to ask me questions on PM or in another thread to be
respectful of the biz approved thread.

I'm grateful for all of your help!