Sonny J

Hi Stroked89coupe, Man...thanks for the info on the post! VERY informative! I started an LLC last Oct. It's a real estate services/investment company. Now. I have approximately (6) REVOLVING tradelines - ALL PG'd: AMEX Bus. Rewards Gold, BB&T Bus. CC, BBVA Compass Bus. Rewards CC, Home Depot Comm. Revolving, CHASE Ink Cash, AMEX Simply Cash Bus., Amazon Comm. LOC. Ironically, I HAVE A D&B file established w/DUNNS #...HOWEVER..I can't actually SEE the report, AND BTW, I DID NOT buy CreditBuilder!! I just happened to call one of those "Business Credit Establishing" companies, and had a lengthy conversation with one of their consultants. They asked for permission to call D&B on my behalf, and somehow (I just don't know how) got my report and emailed me a copy. Yes, I do have a file. Yes, all the basic owner-info, etc. is correct. No...NOTHING IS REPORTING - D&B risk level = 7!! How do I get my already establish revolving accounts to report, if possible??? How do you access iUPDATE in order to SEE the report - myself??? ANY TIPS, ADVICE, POINTERS, would be GREATLY APPRECIATED at this point, 'cause I don't want to pay these people $438.00/mo just to establish and develop business lines of credit. BTW -- with the exception of the Amazon Comm. LOC, ALL of the revolving acct's have been established since Oct/Nov '13.

Limits FAR exceeds my other limits...my highest limit is w/ Citi Simplicity - $15,000... Sent from my iPad using Tapatalk

Started relationship w/PenFed 4/14; got approved for Platinum Reward VIsa siggy w/$5000 cl - at the time of new relationship; called in with question about account management, and was subsequently asked if I wanted to apply for an increase. Everything inside of me said no way...after all, I JUST opened the account with them a month ago, AND I had only begun to use the card - a day earlier!!...I pulled the trigger, and about a day later was approved for $26,500 CLI!!! Thanks CB...for stayin' close!

Hi All, I recently got a pre-selected offer from Cap 1 for a Spark Business Card. Now. Here's the deal. Approximately 22 yrs ago, I had a student account from what used to be Chase Manhatten Bank that went bad. Three yrs ago, I started re-building my credit to where it has grown to now- 761 Discover TU, 773 Walmart TU. However, a year ago I tried to apply for a personal Cap 1 card, and got denied - repeatedly. I finally called their credit services dept., and was told that they had bought the Chase Manhatten debt, even though they could no longer report it to the CRAs. Would anyone think that it would be ok to apply for the Spark card for my business?? (I already have AMEX BUSINESS GOLD, AMEX SIMPLY CASH, Chase INK CASH, Home Depot Corporate Revolving)

+11 to 773

+15 @ 762

Hi All, I need to know what to do. I'm not exactly a newbie, as I've learned SOOO much from you guys in the CB forum in my relatively short time as being a member (give or take 6 mo.). In November of 2011, my credit was "in shambles" (across the board scores little over 525). I was approved for my first CC in years with -"The Ultimate Predator - First Premier". Well, 6 mo. after that, my FICO generated, I went on an app spree, got approved for about (8) cards (one I've since closed - Dillard's AMEX),etc, etc.. Fast forward: thanks to following the advice of you guys, my current MyFico -721 EQ, Walmart TU - 730, CreditSesame EX - 711. Now. A year has rolled around, and FP is hitting me for their annual fee (45.00) PLUS 4.50 "monthly service fee". Called FP rep for explanation, and was told that the "monthly service fee" was printed in the term of agreement when I signed up a year ago. WT/!*%$??? THAT'S 99.00 BUCKS A YEAR even if I DON'T USE THE THING!!! Well, I NEED TO KNOW should I drop 'em NOW or.....wait till maybe...let's say...Feb. 2013 when my next - to - oldest card (USAA Rate Advantage MasterCard matures to one year???? DON'T want to take a severe hit from AAOA!! Right now: Discover IT - 1500 CL - 4/2012 Walmart Discover (GECRB) - 2400 CL - started at 700.00 - 4/2012 USAA Rate Advantage MC - 500 CL - 2/2012 Amazon Store Card (GECRB) - 2200 CL - 4/2012 Chevron/Texaco (GECRB) - 800 CL - started at 400 - 4/2012 Paypal MC (GECRB) - 3000 CL - started at 1500 - 4/2012 Macy's Store Card - 300 CL - 4/2012 First Premier - 300 CL - 11/2011 Once again, I appreciate ALL of the help you guys shoot back with...

I have NO IDEA of what to say. My CS is STILL NOT UP YET!! Usually up NO LATER THAN the 6th. Any probable reasons???

Hello All, Well. I started working on my credit 11/2011. Started out with a 600 FICO on November 5. Only had a FPB card (300CL) w/$95 sec. deposit. Had ALL baddies removed; LOW AAOA (0.1 year) though,..But somehow able to accomplish EQ 711 FICO, TU 721 FICO . Fast forward: Applied for USAA secured card, and was approved for USAA Rate Advantage MC ($500CL)-2/12. Now, this past week, I got an itch and went for it:: Got approved for Amazon.com Store Card ($500CL), Dillard's AMEX ($700CL), Chevron/Texaco Visa ($400CL), DISCOVER More ($1500CL).Am now "workin' in the garden" Thanks CreditBoards, for ALL of the help you've given me!!! PS. - Should I get auto CL increases with any of these cards BEFORE or AT THE POINT OF (6) months?? Anyone with ANY experience with these card??? Would appreciate ANY feedback...

No. Just your average boilerplate Stafford Loan (GSL)

The loan is OLD! Does NOT report to any of the CRAs - anymore. Do I need C & D letter to get these guys off my back? or what? If so, point me in the right direction Thanks All