oldschool

The credit market environment has changed quite a bit, you should begin by reading threads under important topics section, it should give you a guide on how to proceed, however, ymmv.

https://eupdate.dnb.com/default.asp

In most cases, a 20 year old DWI offence should not get you a denial of credit.

Apart from cancelling your credit card, is there another way to avoid this new BOA annual fee?

According to FICO, any smal and/or single delinquency may not hurt your credit goin forward. Minor delinquencies are now overlooked in calculating FICO Scores. Here is the link to the main article: http://articles.moneycentral.msn.com/Banki....aspx?gt1=33001

You can gain unlimited access to your Duns and Bradstreet credit file through their e-update, just give them a call and ask for your company’s e-update password (I am assuming that you know your D&B number). By the way, you do not need to tell them about the fact your company has been denied credit, otherwise they will push you to buy one of their products. They will try to sell you something anyway, just say no thank you. If you call Equifax and let them know about the denial of credit, I believe they will mail you a paper copy of you file. You can search the board or the right numbers to both D&B and Equifax. Good luck.

(1). If you can produce some documentation that you have been in business for the last 3 years, then D&B will likely recognize your original business start date. (2). Check the website of Secretary of State for where you plan to incorporate your LLC for their requirements and procedure, in most cases you will probably feel insulted as to how easy it is to do. I have a personal experience with both Texas and Nevada and believe me, those 2 States incorporation should not take you more than 5 minutes to complete unless you are really stupid, and in that case it will take you up to 6 minutes to complete. Good luck.

I hope someone knows a low cost CPA that can help you. However, you need to find out from your bank if they need just a CPA compilation or fully audited financials. With compilation, a CPA will pull your Quickbooks P&L and attach a note to your financials stating that they did the compilation but did not conduct an audit. A compilation should take like 10 minutes of CPA time and cost very little, on the other hand, an audited financials will cost you an arm and maybe a leg. Good luck.

Effective October 1, 2009, BBVA Compass Bank will charge customers $15 per month should your accout become inactive and if daily collected balance is less than $1,000. Account becomes inactive if there is no customer initiated activity for 120 consecutive days. According to the Bank, automatic deposits such as payroll, social security and auto-transfer does not count as customer initiated activity. I thought this information might be important to some here who are BBVA Compass customers.

If you have a legitimate business need and you are patience enough to read majority of the postings on this board starting with the sticky, then you should be able to do it. How long? it depends on where you are in your business cycle and how fast you can read.

Below is the link to PA Secretary of State site with information and resources for entrepreneurs like you. Good luck: http://www.portal.state.pa.us/portal/serve...r_business/7176

IMHO, get rid of the late first and have the Paydex back up to 80.

Calm down, you sure have a short temper. You mentioned mixed answers, well, that is what you will get if you want someone to tell you what to do. The best way is to read testimonials of people who had succeeded and try to duplicate it, even then your millage may vary. The steps are similar, but individual achievements indeed vary, some creditors will approve you while some may ask you to PG. However, by reading multiple testimonials you will be well prepared and come up with your own action plan. If you have problem along the way and you have a specific question, then the vets here will be more than happy to help. Again you have to adapt the credit steps outlined on this board to suit your own situation. Now, to point you in the right direction, start with the following links, and feel free to ask “specific†question if you are stuck. http://creditboards.com/forums/index.php?s...35&hl=*411* http://creditboards.com/forums/index.php?showtopic=261225 Good luck

You could start a bank and lend money to the rest of us, or how about starting a car manufacturing biz, wait a minute, how about an airline biz. I guess the point is, if you have to ask someone to tell you what business to start, the chance is that you are probably not ready to start any business.

None. You see legit business owners don't start businesses to get credit! They start businesses to make a living. Business credit is nothing more than an off shoot of that business and the need to grow it. No real business owner ever opened a business saying, hey let me see how much credit I can get. No, they open it thinking hey how successful can I make this business. Only people trying to circumvent poor personal credit start "make believe businesses" to do so thus committing fraud to the lenders and keeping real businesses owners from getting needed credit! For those people you will find very little help here from us real business owners.