iammagi

Sorry if this is OT but I'm beside myself. I'm not sure if I will be filing taxes .I'm not too happy with the killing my taxes are reposible for. Anyway, I want to apply to TD Bank for their 100k BLOC. It says there's no documentation but it DOES ask if the business filed taxes in the last 18 months. Why if it's a no doc? If not, they ask for a financial projection. But since it's "no doc" is it better to just tick the box that says you filed taxes? What bothers me is they either ask you to state you haven't filed taxes, which is illegal. Yet if you lie that you filed, that's illegal too! Please can someone clue me in. It's like a Catch 22. My understanding is the only way to get started in high credit is to "lie." in some way. That's what Trump told me many years ago. LOL. On credit card apps and "liar loans" people lie like hell. I understand the public boyscout answer is don't EVER lie, so I don't need that answer. I need some real answers. Feel free to pm me.

Again, the way it's worded if I answer no, then I can't enter income for the business. It says to USE THE TAX RETURN for the financials. So would you answer NO then leave everthing blank? Understand my point? Do you think the bank wants that left blank? Yet they make it a selling point to tell you they don't ask for tax returns. It's like a trick question.

On the TD Bank BLOC application under Business Finacials, it asks if taxes were filed in the last 18 months then asks what is the income "as reported on the most recent tax return." If you answer NO will it be declined? If you answer no, what's the point of filling in the income section since the instructions say to use the amount on the tax return? YET, It says no tax returns are required under 100k. Should I answer NO and then fill in the income section anyway or just answer YES?

There's people up to 4 payments late on EIDL. With PPP, many are not getting the forgivness they hoped for. It's agoing to be a mess.

Is there a board for EIDL and PPP collections? From what I read on the reddit boards A LOT of people are defaulting on those disaster loans and need help and moral support.

Canceled it. It's mainly a bunch of updated links to business apps and a way to keep track before you proceed. Can only keep track of one company. It's just not worth the monthly fee. Join the Facebook group, you'll actually learn more.

I tried these and they are either busy or don't go through. Anyone have better? Fax numbers: Equifax = 866.233.3777 888-826-0573 Experian = 972.390.3838 Trans Union = 610.546.4606

I just cleared up my credit. My FICO8 is 780 but I only have a couple of accounts (and several AU's). I want more (preferably unsecured revolving) credit. I have a corporation with good scores as well. But can't do much to prove income short of a pay stub from my employer, which is not my corporation. I want to raise 100k fast with no questions asked how I use it and stated income for the business. What's the best way to go? Which will get me further? Apply for business credit cards (tied to personal), business credit line, or personal cards?

I just cleared up my credit. My FICO8 is 780 but I only have a couple of accounts (and several AU's). I want more (preferably unsecured revolving) credit. I have a corporation with good scores as well. But can't do much to prove income short of a pay stub from my employer, which is not my corporation. I want to raise 100k fast with no questions asked how I use it and stated income for the business. What's the best way to go? Which will get me further? Apply for business credit cards (tied to personal), business credit line, or personal cards?

It's still based more on personal credit. Mine wasn't good enough for any of their programs yet I applied to Navy Federal and got a credit card and line of credit totalling 50k. And a 3k Spark card. So I'm not so sure about CS.

I transferred the land to the business, then sold it. Each time the books were balanced by title agents. Then years later they come collecting this alleged debt. But try dealing with the government.

Thanks so much for the help. It's so different with business credit. I disputed a late pay at that address and it didn't work. Came up verified. But I'll try. Does suing or threatening to sue help? My late pay was because Premium Fleet Services charged me a hidden charge and didn't bill me or email me. Nothing. Didn't find out till Experian report went haywire. Same with the tax lien. I guess there are no protection laws for business credit?

A property tax lien that is not even in the business name is on Experian Business report. How can I remove it? It's killing my score! Thans, RM

I see no sub-forums for ID theft. Is there a good place to discuss ID theft?

I want to dispute two of my personal loans as having zero balances. Then use the resulting score bump to hopefully increase my chances of getting instant approval. Will this work or will the disputes cause potential instant approvals to automatically fail? I know, I know, once it's to an underwriter they'll be some explaining to do but will disputing help for auto approvals?