tadb1973

i am currently listed with ChexSystems... i recently opened a regular checking and savings account online about 4 weeks ago now, and have been actively using both accounts with my Chase debit VISA since. I also used a $125 promotional code i found on the floor of my condo lobby...both accounts were opened immediately, my debit VISA arrived within 5 business days, and the promotional $125 was added to my account within 5 business as well. Just an FYI...have no idea how or why they didn't catch my listing on ChexSystems... i live in San Francisco...

I applied today to NFCU over the phone...my sister is Active duty NAVY and NOT a member of NFCU. All they asked me about her was her name, nothing else. I applied for a checking and savings account. I was approved, established my debit card pin number over the phone. The operator then asked me if i wanted to apply for a cashRewards Visa...i hesitated at first because i went on a credit application spree over the last week. But then i gave in to temptation, and figured "whats one more inquiry at this point!" AMAZINGLY, i was approved for the cashRewards VISA with a $15,000 credit limit! So, in a 20 minute phone call, i joined NFCU with a checking and savings account, and was approved for a $15,000 VISA...CRAZY!! She told me they pulled my EQ report (my EQ FICO is 685) ...i have one 2-yr old charge-off, 12 inquiries, 28% utilization...

Just an FYI...I have an ATT business account with 8 lines. I bought an iPhone and activated it with a personal account...so the phone is unlocked. I put the SIM from my business phone into the iPhone...it DOES NOT WORK. Just because the phone has been unlocked does not mean your SIM card will work with the phone. Hope this helps.

Thanks Craigg...but the responses above are addressing an issue im not asking about. At this point Im not concerned about defaulting on my business credit accounts...i understand what you are saying and I understand what Los is saying...but simply put...there are CBers posting CitiBusiness card approvals with "no PG." I am not concerned about default consequences. My questions are not based on whether i think the card company will come after me personally or not for the default. I will always assume that a credit card company will try and recover their loss any way possible...whether i add my SSN to an application or not. Im trying to build my business credit quickly and responsibly. The basis of my question was established for the same reasons that the "PG - yes or no" question was added to the credit approved thread format...to help others know when the time is right to submit that app. It seems misleading, at least to myself and, from what I've read here, to several others, that when somebody posts a CitiBusiness card approval and states, "PG no," this is not possible. (Except for those select Citi-backed cards where the application does not ask for a SSN) But thanks...you both have indirectly answered my question!

so...all approvals are granted as long as a SSN is provided...because the SSN is required...aka a "PG" is required... whether a personal hard or soft pull is done by the bank. Thanks!

I appreciate the responses...but neither really answer my question. So the CBers that are listing their "no PG" approvals for these cards are still listing their SSNs on the credit apps?? But are "maybe" or "maybe not" getting a hard or soft personal pull? Sounds like an approval WITH a PG to me....whether a hard or soft personal pull is done by the bank. Thanks for helping me think it through...so...I CANNOT get an approval for a Citi Visa or MC without submitting my SSN on the app.

Hello all...I see several people posting approvals for Citi Visas and MCs with no PG through online applications. Can somebody let me know how this is possible? Are there apps that I am missing or not seeing? All apps I have seen require a PG. Is it that people are putting their SSNs on the app, but not getting the personal pull?? If this is the case...isnt that still a PG whether the bank does a personal pull or not? They still have your legally submitted SSN. Any clarification would be greatly appreciated. Thanks!

ehoez...if you know of a cingular rep that can activate an iphone on a business account...please let me know. every att store rep, att business rep, and apple store rep i have spoken with have all told me that i cannot activate an iphone on my business account...i currently have 12 phones on my business account. thanks!

Hey All, Can you give me a good phone number for Amazon? Ive applied twice online, and both times get the standard message to wait for 7-10 days for a letter. Both times asking for a PG. I did call in three times and was told that the only thing to do was to apply again and again and again online. I begged the operators to look at my DNB file and reconsider. They all refused to even look at my info. My DNB has 4 reporting with an 80 paydex...no rating yet. High credit line of $40,000 for a business vehicle. Experian has 2 reporting with score of 42. (Im guessing its so low cause of the newness of the file.) Never had a late payment and always paid before I even get an invoice.) My first thought was to wait a few months and reapply online...but after reading more threads, I figure i should try and call in again. Any help??

Hi all, Just an FYI... I got my Staples and Office Depot Cards in March...put $450 on Office Depot ($500 limit) and $700 on Staples ($750 limit). I paid Office Depot down to $150 within 2 weeks and Staples down to $250 within 2 weeks. Nothing is reporting as of today. I also have Reliable, Gemplers, Nebs and Uline. Purchased items on ALL of them for amounts between $50 and $100 in March as Net 30 accounts. Paid them all in full when the items arrived. Only 1 of these is reporting on DNB, although I cannot tell which it is because there is no lender name. It just lists the amount of $50 (nothing was exactly $50) and it is listed as "owing". I paid all of these in full as soon as the items arrived, so im not sure why it is still listed as "owing." Guess I just have to wait and see how things change.

I sort of figured, but is it true? I havent called them yet. Should I just ignore the email? Thanks for any help!

Hi! Can i please be removed from newbie status? Thanks!

Hello All, I received my EIN in Mar 07. Also in Mar 07, I phoned in and requested a DUNS number for government grant purposes. DUNS number was given to me on the spot over the phone. A few days later, I checked online and my DUNS was there with my basic info...but limited data available. This same week (Mar 07), I applied for a few net 30s as well as Staples and Office Depot...was approved for all with no PG, placed orders and paid for them before I even received the products/invoices. In Apr 07 (this month), I bought a $44,000 truck using my new business EIN through GMAC with myself as PG. My question now is...I received this email today from D and B: You recently requested that your company's information be added to the D&B Business File. We were not able to add your company to the D&B file due to a system validation error. To complete this process and ensure that your business file is created, please call D&B at 1-800-333-0505 and a customer support specialist will help you. Thank you for using D&B Small Business Solutions. Sincerely, Customer Support D&B Small Business Solutions sbsSupport@dnb.com ANYBODY have any idea why this is? What does it really mean? And what should I do next? Thanks in advance!

I got the same letter about 3 days ago...I tore it up and threw it away.