pclancy

Thanks Breeze. For the other poster, like you said, take your attitude elsewhere.

Brndnh721 - thanks for pointing out what I already now. If the situation was better from me I'd take care of it. That's why I asked the questions I did.

Have a few cards that I took out for my biz with the into 0% rate that have now kicked into high rates and I'm not ready to pay them down yet, just the min. -is there any way to get the interest rates reduced? (have called the cards numerous times and no luck and think the numerous calls work against me too!) -do a debt consolidation that won't adversely affect me personally? where and how to get this done? And getting killed by the line reductions which is now probably hurting my credit as some of these biz cards now reporting to personal (Cap one). BOFA cut my line 2x now and not even using card but only making min payment. So bal to limit is near 100% - ouch. Same w/Cap 1 Really sucks. See others getting hurt with the rate jacks and CL reductions even though paying on time and account in good standing. Appreciate any advice. Thanks

Have a few cards that I took out for my biz with the into 0% rate that have now kicked into high rates and I'm not ready to pay them down yet, just the min. -is there any way to get the interest rates reduced? (have called the cards numerous times and no luck and think the numerous calls work against me too!) -do a debt consolidation that won't adversely affect me personally? where and how to get this done? And getting killed my the line reductions which is now probably hurting my credit as some of these biz cards now reporting to personal (Cap one). Really sucks. See others getting hurt with the rate jacks and CL reductions even though paying on time and account in good standing. Appreciate any advice. Thanks

I feel your pain and was just going to post asking what other are doing about: -cards reporting to personal -CL getting decreased and adversely affecting you Same thing happened to me w/Cap 1 but my balance and line a fraction of yours but I'm using most of it and now on my personal. I need to see how it affected my score. What can be done about this? Sucks being at the mercy of these card companies doing as they please and hurting good people.

Hi, Any recommendations on best credit monitoring service? Had Privacy Guard way back. Think was $10 to 15/mo. Was decent, could get all 3 scores 1x/mo, support sucked. Not up on the name companies these days and who's the best as I want to try another. Thanks

Greywolf, others: Looking to get some high line biz CC's myself. You mentioned PennFed - lot pennfed's out there - have a web address? And they're good for biz cc? Cap 1 now reporting to personal credit - per the rumors - appears it's fact.

Been looking for Biz LOC myself. Will tell you this - most all, seems like everyone, requires docs of some sort. No mored just credit based. IE. Sovereign, for under 50 or 25 will do credit based but they mandate you sign IRS 4506t which gives them right to pull your returns. So if trying to get around issues on your prior returns, it will show up. Cap One bank seems to be credit only, no doc but mandates 4506t.

Hi, Need business LOC. Preferrably, unsecured, no financials, credit only based app. Still possible in today's environment? I've visited and called numerous bank branches and get varied opinions. Most floor people in a branch only take the app and tough to get to the decision maker. I don't want my credit pulled a few times and than find out they want 2 yrs returns, etc. I show losses for accounting puposed and don't want to do financials, returns, etc. I figure the big banks want full, full, doc these days as do the smaller banks. Figure my best shot is w/a regional bank but seems they too want all docs for a small, unsecured line such as 25 or 50k. Appreciate any advice. I'm in the NYC area. PS - what about these firms that advertise online for unsecured, no doc biz LOC? Legit? Or end up paying a lot of points to get it. Thanks.

Hi, Need small business Line of Credit. Want the unsecured, no financials, less than 50k type. The big banks obviously want financials, returns, etc. The small local banks want this too. The regionals, at least on their web sites, say they offer no doc, unsecured, PG but when you call in or walk in you get a different story. Floor people in a branch just take the app and most, if not all, don't know what else is required. I don't want my credit pulled with all the apps I'm thinking about submitting and than have them come back asking for returns and financials - which is a no go for me. I'm in the NYC area if anyone has recommendations. Thanks.