1282 replies to this topic

[c m chase]

Ok....there was a sticky in the credit forum...I think there should be here too. I find myself getting confused when someone says they got approved for such-and-such biz credit and I wonder....do they have a paydex? how many do they have reporting?

So let's start a database thingy.

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If approved:
Who?
How many reporting on DnB/Experian Biz?
Paydex - if available?
Credit limit?
PG?
Terms?
Provide them additional information/financials?
Application? (online/in store/phone)?
Other info?

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

[c m chase]

!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


Who? Home Depot (FINALLY!!!!)
How many reporting on DnB/Experian Biz? 1 reporting on DnB
Paydex - if available? n/a
Credit limit? Asked for $1500...we'll see in 7-10
PG? Nada
Terms? Revolving
Provide them additional information/financials? No
Application? (online/in store/phone)? Online
Other info? I decided since Viking was reporting, I'd try again - BINGO!!!

[OhBoyOhBoy]

If approved:
Who? Home Depot!!!
How many reporting on DnB/Experian Biz? 0
Paydex - if available? N/A
Credit limit? $1000
PG? Nope
Terms? Revolving
Provide them additional information/financials? Nada
Application? (online/in store/phone)? Online
Other info? 2nd time around

If approved:
Who? Staples
How many reporting on DnB/Experian Biz? 0
Paydex - if available? N/A
Credit limit? $750
PG? Nope
Terms? Revolving
Provide them additional information/financials? Nada
Application? (online/in store/phone)? Online
Other info?


If approved:
Who? Office Depot
How many reporting on DnB/Experian Biz? 0
Paydex - if available? N/A
Credit limit? $500
PG? Nope
Terms? Revolving
Provide them additional information/financials? Nada
Application? (online/in store/phone)? Online
Other info?

If approved:
Who? Tiffany's
How many reporting on DnB/Experian Biz? 0
Paydex - if available? N/A
Credit limit? N/A
PG? Nope
Terms? N/A
Provide them additional information/financials? Nada
Application? (online/in store/phone)? Online
Other info? Just a Biz account, I get 15% off all merchandise, but they do not bill I have to pay with my own CC

If denied:
Who? Chevron
How many reporting on DnB/Experian Biz? 0
Reason for denial? Do not service my AREA!?!
Other info?


If denied:
Who? Amazon, Dell
How many reporting on DnB/Experian Biz? 0
Reason for denial? Couldnt find me in D&B!?!
Other info?


Never Responded:
Toys R Us, Borders

[ladyjedi]

If approved:
Who?
How many reporting on DnB/Experian Biz? 4 trades
Paydex - if available? 80
Credit limit? $2500
PG? No
Terms?
Provide them additional information/financials?


Application? (online/in store/phone)?
Staples - mail in
Approved $1000
Other info?

Application? (online/in store/phone)?
Border's - Online
Approved
Other info?

Application? (online/in store/phone)?
Sear's Commerical One
Approved $2000
Other info?


Application? (online/in store/phone)?
Tiffany's
Approved $ No Credit Line Given
Other info?

Application? (online/in store/phone)?
Exxon Mobil
Approved $500
Other info?

Application? (online/in store/phone)?
Home Depot
Approved $1000
Other info?

Application? (online/in store/phone)?
Best Buy
Approved $10000
Other info?


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

If denied:
Who? Lowe's
How many reporting on DnB/Experian Biz?
Reason for denial? Could not verify business. Was told to apply in store.
Other info?


If denied:
Who? Nordstorm's
How many reporting on DnB/Experian Biz?
Reason for denial? Wanted financial statements.
Other info?

[ACX]

If approved:
Who? Staples
How many reporting on DnB/Experian Biz? None
Paydex - if available? None
Credit limit? $4000!!!
PG? No
Terms? Not sure
Provide them additional information/financials? No
Application? (online/in store/phone)? Filled app online, printed, then faxed
Other info? N/A

They approved my app in a matter of hours. Im so surprised since I was expecting only a $700ish limit like everyone else got. Man, today is a great day! lol :8)

[ACX]

Oh, and add Home Depot to the list of cards I was approved for today. I applied for $1000 but after talking to the rep on the phone she bumped it up to $5000!! Im so excited. So far I got approved for two new cards in one day. Im waiting to hear back from Kinkos and Sears. I'll be applying for Office Max and Office Depot tomorrow and hopefully i'll have some luck.

[ACX]

Update: Just approved for $2000 through Office Depot and $5000 through Dell. I am a bit confused on Dell though. The guy on the phone was saying that theres no credit card or anything, so I assume if I want to get them to report I'd have to buy something from them, pay it off, and they would just report it as being paid? They didnt even ask me for much info on my business either, which was pretty strange. Now im just waiting on Sears, Kinkos, and Office Max to get back to me. This forum is the best thing thats happened to my business all year long! Thanks guys!!!

[c m chase]

If denied: :evil:
Who? Cingular Wireless
How many reporting on DnB/Experian Biz? 1 on DnB, 0 on Experian
Reason for denial? No one reporting on Experian...they wouldn't pull DnB.
Other info? They said they could open the account with $250 deposit. SCREW that. I was going to buy a $200 phone.

:roll:

[ceowens]

If approved:
Who? Office Depot
How many reporting on DnB/Experian Biz? 4
Paydex - if available? 80
Credit limit? 2000
PG? hell no :wink:
Terms? revolving
Provide them additional information/financials? no way Jose
Application? (online/in store/phone)? printed online then faxed it in
Other info?


Called them about 2 hours after I faxed it to "make sure they received the fax" :8) and found out I was approved. I applied early on when nothing was reporting to D&B and was denied. :evil: Now that I have a paydex....I'm in!

[ceowens]

If denied:
Who? Best Buy.....bastages.... :evil:
How many reporting on DnB/Experian Biz? 4 to Experian, 4 to D&B...Paydex 80.
Reason for denial? Wouldn't tell me over the phone. :roll:
Other info?
"but mam, we CAN approve with a personal guantee"

BITE ME BEST BUY!!! :twisted: :twisted:

[ceowens]

If denied:
Who? Office Max
How many reporting on DnB/Experian Biz? 4 on each. Paydex of 80.
Reason for denial? Apparently it's a secret that can only be revealed by mail. :roll:
Other info? Office Max bites. :evil:

[ceowens]

If denied:
Who? Shell
How many reporting on DnB/Experian Biz? 4 each. paydex of 80
Reason for denial? Something about my Exerian report....said they couldn't tell me by phone. :roll:
Other info?[/quote]

She said they pulled D&B and Experian and that my Experian didnt meet thier guidelines........but she wouldnt tell me what the freaking guidelines were.

This is the 3rd denial I have posted since I got a paydex!!!!!!!!!!! This paydex thing might not be all its cracked up to be.

[Happy]

If approved:
Who? Shell Gas Card
How many reporting on DnB/Experian Biz? EXP 2 and DNB don't know
Paydex - if available? No
Credit limit? 750
PG? No
Terms?
Provide them additional information/financials? No financials
Application? (online/in store/phone)? Applied online

[c m chase]

If approved:

Who? Lowes
How many reporting on DnB/Experian Biz? 3 on DnB, last time I checked
Paydex - if available? Nada
Credit limit? 1000
PG? No
Terms? Net 30
Provide them additional information/financials? No
Application? (online/in store/phone)? Applied online
Other? I applied and got denied like 5 weeks ago. Just got my cards today.

WOOT!

[alo]

If approved:
Who? Staples
How many reporting on DnB/Experian Biz? 0
Paydex - if available? n/a
Credit limit? $750
PG? no
Terms?
Provide them additional information/financials?
Application? (online/in store/phone)? online
Other info

[Happy]

If approved:
Who? Office Depot
How many reporting on DnB/Experian Biz? not sure
Paydex - if available? no
Credit limit? $1K
PG? no
Terms?
Provide them additional information/financials? No
Application? (online/in store/phone)? online
Other info

[Happy]

Thanks for the vote of confidence Suzy.
Home Depot doesn't like me. :roll:

If denied:
Who? Home Depot
How many reporting on DnB/Experian Biz? Not sure
Other info? I have to write to them for reason why I got denied. A letter will be going out first thing Monday. I want to know why.

Maybe too many accounts with Citi USA.

[alo]

If denied:
Who? Home Depot
How many reporting on DnB/Experian Biz? none
Reason for denial? Would not give pg
Other info? Invited to re-apply when my circumstances change.

If denied:
Who? Nextel
How many reporting on DnB?Experian? none
Reason for denial? Could not verify my business in directory assistance online, but could verify by calling 411, want $200 dep per line.

ALO

[G]

I got approved for Best Buy.


$15,000 credit line!!!!! Can you believe this! I feel like I hit the lottery and you all sold me the ticket!

Thank you all sooo much!!!!! Special thanks to BizCredit for the awesome credit app site. I didn't even think of applying at Best Buy until I saw it on his site!!!!

Thanks a million,

G

[G]

Paydex score of 80.
No PG
My LLC is 2 years old.

I applied last night. On the website it says that someone will contact you within 48 hours, but I was too anxious to wait. I called earlier today and after being transferred a few times, I was told that I was approved. I was hoping for $10,000 because I'd read someone else on the board had gotten that much. The guy told me I was approved for $15,000!!! :shock: :shock:

I didn't know what else to say. I studdered a couple times, but I had to try to keep my composure. I almost fell out of my chair. I'm waiting till the card arrives to see if it is just a dream.

WOOOOOOHOOOOOO!!!!!

Excuse me please. I'm just a little excited.

G

[selsus]

I got a Dell account for $5,000 (lease or loan), with no PG :shock: Did it online today just for the fun, and they told me instantly "Approved"!! I'm still dancing.

[selsus]

If Approved:
Who? Home Depot
How many reporting on DnB/Experian Biz? 2
PG? Yeah Right
Other info? Requested $10,000 limit, they countered with $1,000.

If Approved:
Who? Office Depot
How many reporting on DnB/Experian Biz? 2
PG? Yeah Right
Other info? $250 Credit Limit (gotta start somewhere )

If Denied:
Who? Sheel Gas Card
How many reporting on DnB/Experian Biz? 2
Other info? Wanted PG... I'll try when I get a PAYDEX

[gmaof1]

The following approvals, no PG, no Paydex, 2 reporting:
Sams 1000
Office Depot 250
Lowes 1000
Dell 5000
Staples 750
Tiffanys
Exxon 2500

Denied -
Home Depot twice
Borders
Shell

Still waiting on Sears, costco and Walmart.

Still want -Penny's and Best Buy. Waiting for a Paydex to apply.

[TravelDoc]

If denied:
Who? Home Depot
How many reporting on DnB/Experian Biz? 0/Don't know
Paydex - if available? N/A
PG? Not going to happen
Provide them additional information/financials? Asked for PG
Application? (online/in store/phone)? Online

PENDING (?)
Who? Staples
How many reporting on DnB/Experian Biz? 0/Don't know
Paydex - if available? N/A
PG? Not going to happen
Provide them additional information/financials? Asked for Biz license / copy of utility bill / previous company address
Application? (online/in store/phone)? Phone / FAX

Thought the Staples was an odd request. I've been incorporated now for 7 years and had a D&B # for 5 but never did anything with it until I found this board.

[c m chase]

If denied:
Who? Office Depot
How many reporting on DnB/Experian Biz? 5 on DnB/ On EX..? (was 4 when I checked last month)
Paydex - if available? 80
PG? They didn't even ask
Application? (online/in store/phone)? Online
Why? Insufficient reporting history :roll: :?