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  1. fit190

    Cap1 EO

    Can someone PM me the current EO email/phone number? I've looked at the older thread but see the email contact listed is about 3 yrs old. Thanks in advance for any help!
  2. fit190

    App for Marv

    Great news! Thanks! I'm wondering if it would be better to submit an app to roadloans, credit union or to try my luck directly through dealership? Any thoughts?
  3. fit190

    App for Marv

    Credit Application: Your Age? 45 Your Equifax Credit Score? 573 Your Experian Credit Score? 562 Your TransUnion Credit Score? 570 How many years have you been on file with Equifax? 20+ How many years have you been on file with Experian? 20+ How many years have you been on file with TransUnion? 20+ YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? yes How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? na Your current open auto loan payment is? zero Estimated amount you may be upside down in this vehicle? zero Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 4 Total percentage utilized overall? 15 How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa)2 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) YOUR PERSONAL INFORMATION How long at your current residence? 8yrs Do you Rent or have a Mortgage, or Live w/Relative or Other? own Your Monthly Rent or Mortgage payment? $3064 How long have you held your current job? 6yrs Your total provable monthly gross income is? $18,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) pay stub/bank stmts Is there additional monthly income? What amount monthly? None Describe the source. N/A Is the additional monthly income provable? N/A Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) up to $3,000 Does any credit repository contain any Public Record? NO If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)?Yes If yes, please very briefly describe. have 3 collection accounts on 5-6 year old credit cards Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 6 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 6 New or Used vehicle you are considering: Please very briefly describe. 2013 or 2014 GMC Yukon for $32,000
  4. I've seen several posts indicating that have been able to simply call and request their net-55 account be changed to revolving. Well, I called and was told the only way that can be done is to submit a new application. I called the general backdoor number to inquire but is there a specific department I should seek or should I try again? Has anyone had any success doing this recently?
  5. fit190

    Lowes commercial online app

    for the revolving account. I grabbed a copy of the application while in the store but there's nothing that mirrors what a checked box (online app) could be.
  6. I am considering applying online but noticed there is a box checked (default) underneath where you enter your business phone number but there is no text visible that states what the checked box is for. Does anyone know what this is for?
  7. fit190

    Recent success!

    After being declined earlier this year to Amazon and Costco, I decided to give it another shot. I applied for the net55 for Amazon and was approved for $1,000. Then decided I would give Costco another shot and faxed my application on Tuesday and was approved yesterday for $2,000 even though I only asked for $1,000. Admittedly, I wasn't aggressive in my amounts requested and also figured it would be an easier approval to apply for the net55 and pay-in-full option with Costco. Have read on this forum that getting the accounts switched to revolving shouldn't be too difficult so that will be my next move as soon as I receive the cards. I'll request a CLI later but thrilled with the late year progress.
  8. Anyone aware of a universal MC gas card that does not require at least 5 employees?
  9. Just got off phone with credit rep and was informed that Quill has a policy that they treat all residential addresses as consumer addresses and that they do not approve credit requests for businesses with a home address. They pulled Experian were going to open an account for me until they noticed the address was a residential address. Back to the drawing board...
  10. fit190

    Question about timing?

    Got approved for Wex in the spring of this year and that has been my only TL. I decided in mid November to apply for a Dell biz account and was approved with a large 5-figure limit. Giving consideration to applying for Costco and/or Amazon and have the following questions: 1) With a very limited credit history, is it best to apply for both at the same time or is there a suggested timing for applying with these two? 2) I've read that the Costco process is done via fax and to call in a day or so later but is the Amazon an instant approval deal? Just trying to maximize the process with as I said, a very limited profile. Thanks for the feedback
  11. fit190

    Biz credit apps

    Can anyone help with a copy of the Costco app? It is not opening for me?
  12. fit190

    Post approval...

    How often should I expect to have to submit annual financials to the normal cast of vendors for the newbie biz credit applicant? Are some more frequent requesters than others? What has been the experience of those of you who have recently received approvals and those who have been at this for a while?
  13. fit190


    MODS...please accept my apology. I thought my first post (same subject) didn't post so this is a duplicate. Please delete this thread. My apologies!
  14. fit190


    Finally, after reading this forum and getting a couple new ideas I (again) tried to establish a net30 with Quill, Strategic Network Solutions, and WEX:Superfleet Universal. Was approved on SNS and Superfleet while quill wants payment for $65 item. It's progress nonetheless, and I was particularly pleased seeing the WEX website state my application was approved and that I would be getting a call within 5 days to set preferences. Considering Grainger and possible Tech Depot and thanks again to the board for such valuable information! Cheers!
  15. fit190

    And so it begins...

    Having heard of the normal vendors that new biz credit seekers are advised to pursue, I stumbled across this forum and began reading...yesterday. Since yesterday, I have been approved for the following: Strategic Network Solutions- net30 WEX Superfleet Universal card...haven't had the phone call yet to set acct preferences These are going to be my first business tradelines. Quill still wants prepayment for a $65 item but I figure I may as well do it with the hopes of them approving in the future. Considering Grainger and possibly Reliable as next to acquire. Great site and looking forward to the next level! Best to all!

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