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Everything posted by MasterCharge

  1. Does anyone have experience with the American Express® Business Loan... I got a pop up when I logged in to my business credit card account... the business I have is 5 years old and I have had a relationship with Amex for 6 years. Edit: I found the T&C https://www.americanexpress.com/us/business-loans/terms-and-conditions.html Edit: I also found the Amex Merchant Financing loans and if this preaproval works the same as that, then it should non-pg if loan is under 35K https://merchantfinancing.americanexpress.com/merchantfinancing/apply.htm?source=apply_now_button
  2. well i guess i am screwed since I have been using Nav since 2014 (no paid version)
  3. I think it will be better to mail the payment, I use a billpay with my bank to the PO BOX, its free and when i make a payment on Monday, it post by Friday. (5 business day turnaround)
  4. I received an unsolicited email from an Amazon employee about a Pay by Invoice so I took advantage of it and I got 10K for a net 30. Note: this is not with Synchrony Financial Amazon seems to be expanding its corporate umbrella into the financial sector.
  5. -SIC: 5045, 7371 Computer Related Services, NAICS:541511, 541510 -Since 2013 -Paydex - have no clue I have not found a way to get if free yet. (I know I have never missed a payment) -No PG I have N30 with Quill since 2013, Fedex, 4.5K Amazon LOC, 7.5K Sams Store Card, 2.5K Shell Gas Card, 4.5K BOA Biz MasterCard, 14k Citi Biz MasterCard, 7.5K FNBO Visa, 20K + 18K Chase Visa, 1K + 5K + 18K US Bank Visa, 22K Amex SimplyCash, I have 25K on DnB that I have no idea what it is...
  6. I almost chocolate my pants looking at my screen, No PG, Single Member LLC, a little over 3 years old, they did not ask for income detail just the EIN and address and LLC name.
  7. Sound very interesting...please include the application process when reporting back KristofsMom.
  8. Pulled the trigger and got 2.5k No PG, Single Member LLC, 3 years old, revenue between 200k to 250k, Thanks OP.
  9. Citi is very tricky for me, what works for me when i want a sof pull CLI is i freeze all my CB reports and wait about 3 days then request the CLI, most of the time its instant and when its not it typicall shows up the next day for me or i get a letter telling me to remove the freeze.
  10. here you go OP, good luck https://redcard.target.com/tfsredcard/images/mkt_images/tb_web_app2.pdf
  11. Which credit file did they pull, EX, TU, or EQ and what scores did they pull? And just to clarify, you used two years of business tax and personal returns and PG right? I assume you have a deposit account with US Bank, what is your average daily balance?
  12. Nope, just used it for some post-it note and paid a month after, have not used it since.
  13. I've always been under the impression that the structure of current business cards are just glorified personal cards since you have to PG. If anyone can borrow money at 0% and it does not affect their credit profile, i am pretty sure if they are discipline they can get a decent return on this borrow money.
  14. +1, US BANK/ELAN is the good for this.
  15. for 2013 it shows $25890.00 and for 2014 it $27267.00. i jumped the gun and applied with my main bank, i was not approved.
  16. Yes P.S. I might have reported your reply, sorry. For some reason I tend to hit the "Report" link thinking it is saying "Reply" .
  17. Your Age? 24 Your Equifax Credit Score? 756 (Vantage Score) Your Experian Credit Score? 782 (Vantage Score) Your TransUnion Credit Score? 770 (Vantage Score) How many years have you been on file with Equifax? 4 Years How many years have you been on file with Experian? 4 Years How many years have you been on file with TransUnion? 4 Years YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No (Never had one,) Will this open auto loan be a trade-in? N/A 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? N/A Your current open auto loan payment is? N/A Estimated amount you may be upside down in this vehicle? N/A Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 28 (I have a few line of credits and 3 student loans but most are credit cards) Total percentage utilized overall? 0% How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 21 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 2 yrs Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $300 How long have you held your current job? 2 year Your total provable monthly gross income is? 5000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) pay stub? Paper check deposits. Is there additional monthly income? What amount monthly? $0 Describe the source. N/A Is the additional monthly income provable? N/A Spousal income N/A YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $ 0 Does any credit repository contain any Public Record? NO If yes, please very briefly describe. N/A Does any credit repository contain any Collection Account(s)? N/A Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 (no missed payment on student loans, still active account) Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 (never missed a payment, pay in full every month) New or Used vehicle you are considering: 5 year old vehicle about $20,000 I dont think I qualify since my credit file it not very old. Student loan balance are $1000, $3000, $3000. I have 9 hard pulls on Experian, 10 on Equifax, 7 on TransUnion for the past 12 months.
  18. x3 I would like to know this too...it has taken me 4 year to get to $13700.00 with heavy spending. I would like it too grow to 20-25K to match my other 5 cards.
  19. LOL good read. I feel bad for OP.

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