Reilly

What is the problem?

I have had my eyes on a Range Rover and now with 15 tradelines, an 80 Paydex, and over 2 years Inc'd I am going to go for it. I know Ford Motor Credit has been for many on this board and I know Ford owns Land Rover... that said... anybody with any knowledge about how to get ford motor credit for a land rover purchase?

Check out link removed by admin to view multiple carriers and policies online. There is a section where you can compare quotes on return of premium polcies and apply for the least expensive.

Check out removed by admin to view multiple carriers and policies online.

Why?

If you are approved for say Citi PP.. then apply for the next card... if you get approved again....apply for the 3rd... then wait 90 days and get the other 2. Apply one at a time and when approved you can then apply for the next one. If you get denied at any time during the process... stop applying for 90 days.

So last week I applied in the store for a Best Buy Commercial Card, was approved, and spent a good portion of the limit with a purchase. I want to apply for this Costo account but know that HSBC can be funny. But since I have already been approved by HSBC and used some of my limit it is not as if they can really take that away. Check out my sig and tell me if you guys think I will be ok to apply for this account today. Thanks.

I just applied and was approved for Best Buy who is also HSBC.... do i have to wait 90 days until I can apply for this?

I am planning to pull the trigger today on the Sam's Club Discover. We are at the 2 year of Inc'd mark so we can apply w/o the PG section. Can people tell me what their experience was when they applied or any advice. You can see in my sig what I have on my files. If you applied, What was the result? What did you have reporting? Was your Corp 2 years old and did you fill out the PG section? What Credit Limit did you get?

Go to link removed by admin to compare home insurance quotes online.

fattgrl, What were your personal scores when you applied and what was your stated gross income on the app?

From what I was told the answer to HDMC question is no... I would also assume the answer is no for Key Bank as well.

Right....sorry about that... the DnB credit score class. Sorry about that.

I just had a very good conversation with a Citi Rep. I called because I was curious about how they treat application from one person but under different corps. As you can in my sig I have the trio for corp #1 but I am preparing to apply for Corp #2 and wanted to get some info. Here is what they told me. 1) The credit limits are actually based, in large part, on the income stated for the person giving the PG. He told me that the max credit is usually around 15-25% of the individuals gross income. I wanted to know how the credit I already have would affect what I would get with Corp #2 because of max exposure. He said the business income comes into play but minimally. He said the income stated on the app for the PG is what plays a large part in the limit decision. 2) DnB- The guys I spoke with told me that the paydex score was not as important as the intelliscore on your dnb file. For example: This is for my Corp #2 Likelihood this company will not pay on time over the next 12 months: LOW Credit Score Class: 2 The Credit Score class of 2 for this company shows that 4.6% of firms with this classification paid one or more bills severely delinquent, which is lower than the average of businesses in D&B's database. Credit score percentile: 85 (high risk: 1%; low risk: 100%) Industry norm percentile: 49 (high risk: 1%; low risk: 100%) I told him I had 4 tradelines reporting and that I was waiting for the 5th to get a paydex. I asked if I should wait on the paydex and he said yes if you think it will raise your intelliscore but based on the score you told me I think you should go ahead and apply. 3) Payment history- he said most of what they do is automated and not done manually. They will check dnb and/ or experian and they will also check the payment history with past Citi cards. (This does not include store cards. Only Citi PP, Citi AA, Citi Biz Plat) Therefore, if you have 2 corps and the first corp has good payment history on those cards then it plays very well for you in the application for corp #2's cards. He said the system really doesn't look at balances (i.e. whether all the cards for corp 1 are maxed out) instead it looks at payment history, what % of the balance was paid each time. (i.e. if only the minimum was paid you would have worse profile than someone that paid more than the min) I hope this is helpful. Please do not take this information as gospel but only as more info for you to come to your own conclusion.

I just had a very good conversation with a Citi Rep. I called because I was curious about how they treat application from one person but under different corps. As you can in my sig I have the trio for corp #1 but I am preparing to apply for Corp #2 and wanted to get some info. Here is what they told me. 1) The credit limits are actually based, in large part, on the income stated for the person giving the PG. He told me that the max credit is usually around 15-25% of the individuals gross income. I wanted to know how the credit I already have would affect what I would get with Corp #2 because of max exposure. He said the business income comes into play but minimally. He said the income stated on the app for the PG is what plays a large part in the limit decision. 2) DnB- The guys I spoke with told me that the paydex score was not as important as the intelliscore on your dnb file. For example: This is for my Corp #2 Likelihood this company will not pay on time over the next 12 months: LOW Credit Score Class: 2 The Credit Score class of 2 for this company shows that 4.6% of firms with this classification paid one or more bills severely delinquent, which is lower than the average of businesses in D&B's database. Credit score percentile: 85 (high risk: 1%; low risk: 100%) Industry norm percentile: 49 (high risk: 1%; low risk: 100%) I told him I had 4 tradelines reporting and that I was waiting for the 5th to get a paydex. I asked if I should wait on the paydex and he said yes if you think it will raise your intelliscore but based on the score you told me I think you should go ahead and apply. 3) Payment history- he said most of what they do is automated and not done manually. They will check dnb and/ or experian and they will also check the payment history with past Citi cards. (This does not include store cards. Only Citi PP, Citi AA, Citi Biz Plat) Therefore, if you have 2 corps and the first corp has good payment history on those cards then it plays very well for you in the application for corp #2's cards. He said the system really doesn't look at balances (i.e. whether all the cards for corp 1 are maxed out) instead it looks at payment history, what % of the balance was paid each time. (i.e. if only the minimum was paid you would have worse profile than someone that paid more than the min) I hope this is helpful. Please do not take this information as gospel but only as more info for you to come to your own conclusion.