blu_collared_babydoll

I am trying to learn what information has to be available to vendors when they search for my fein,d&B, and other business references. Where do they go to make sure your business, has enough history, to be offered lines of credit or services? I know d&b and experian... But where do i go to check to make sure my info is available, example: such as 411, yellow pages...I want to know what information vendors look for to validate your credit, how long it has to have been there, and other pertinent info to build a solid foundation. I am getting denied, but unsure of what they mean, by unable to verify or validate.. Looking to error proof, before applying anywhere else.

This company has pulled hard inquiries, on my personal credit, and I have never provided them with permission. I have never had any business with them. They only had my name and business name. I didnt provide ss.duns,fein, or anything other than a brief conversation, in regards to the amount of mail, they were sending me. Im so pissed, because I dont need any more pulls, and the fact that they did it. uuggghh Is my retaliation a mere dispute with credit bureu, or can I take it further? I spoke with a rep, about there company, I offered him my name and reservation number on the continuously coming mail, I wanted to educate myself on there company and services. That was all! I would like to call him today and give him the not so nice piece of my mind, recorded. Any other ideas?

....bump

great question... I have long wondered the same thing, and If they use there own start dates, how would u dispute it.

1.5k on Discover more card. I wonder if my mortgage will raise or lower my score?

Thanks 4 the feedback...I have had to FP-Visa and MC's. Visa for 36 mnths/200 unsecured, but outrageous fee's. MC for 18mnths 300 limit. No installment debt showing,just those 2 revolving cards. 3 paid medical collections that are reporting bad information,2 showing paid-closed-as agreed. 1 with a 1 month term "they say", and showing "kd" in red writing on report. My mortgage is not yet reporting, dunno know why,either. inquiries: 8/5/7. I had a fraud freeze on all, until a week ago. Would that have anything to do with some declines? I have taken care of the fraudulent items that were on my reports. All except for one, that wont update, but continues to "verify". Discover more, approved me, I dont have the card, so I dont know the limit. But Citi said no to a credit card, but let me do a loan in the branch,at citifinancial, which is not reporting yet. I did a loan at Am Gen, for 1000, to pay it back and add some "weight" onto my file.I have experian service,to view new alerts and reports daily. My plus score on there declined to a 580 from a 680 since December, dunno why.. I will hold off on any more apps... but I dont even know what's the reason they are declining me just yet.. Oh, Discover is 3.9 until 8/09. then up to 13.9 or 15.9.. can't remember. I went thru an extended verification process, but everyone was so patient, had a listening ear, and answered all of my weird questions. My mortgage was 6.5%, I thought I would get a lower rate,still a great purchase price,though.45k less than the sellers original price. The price was at appraised value, and 20 k higher than market value, so did I really get as good of a deal as i would like to think? hmmmm Thanks all insight appreciated.

I hope this is the right forum for my question.... I have a new to me, older home. I have very limited personal credit, middle score is 621, before purchase, but no baddies. I have searched and called many companies, trying to establish credit acccounts. Everyone is declining me(except discover more), I'm just hoping that there is some company that someone has had a great starter experience with. Also, is there anything I can do with my home, to get an equity line this early, or do i hve to wait until i own it for 13 months?