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credithacker

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  1. credithacker

    Navy Federal Business Card Approvals & High Utilization?

    I'm a member of Navy Federal but the feedback I've been getting is since I have a $25k CC at 89% and a $15k CLOC at 89% util they may not be willing to extend any more credit to me. I also have a car loan and I'm on a $17.8k CC at 0% util as an authorized user which I would think may help?
  2. Thanks, $35k would certainly help but just wanted to know best option out of the list considering the self-employment situation.
  3. No baddies, perfect payment history. Appreciate the feedback!
  4. Few more I found: Barclays Best Egg Upgrade Net Credit Avant/Web Bank
  5. Looking for the best loan option to consolidate CC debt below. Fico 8 scores in the low 700's. Was planning on applying for a Marcus Loan but they will only accept personal bank statements and I run everything through my business. Good income but high CC debt due to legal fee's trying to collect in a lawsuit. Business loan a possible option too, 80 Paydex & 87 Experian, 13 old LLC. Any advice appreciated! Limit / balance % / Creditor $35,500 > $31,500 > 89% (Chase) $25,000 > $19,557 > 78% NFCU CC $ 5,000 > $ 1,445 > 28% (Chase) $ 3,000 > $ 867 > 28% (Chase) $ 1,000 > $ 0 > 0% (Wells) $15,000 > $8,525 > 58% NFCU CLOC $25k 1/year > NFCU Auto Loan Auth User CC's $17,800 > $ 0 > 0% NFCU CC / 0% $15,800 > $ 0 > 0% (Chase) $ 9,000 > $ 0 > 0% (Chase) $ 4,100 > $ 150 > 3% (Wells) Compiled this list for loan options so far: Marcus (require 3/mos personal bank statements) Discover Lending Club Lightstream SoFi AmEx "NextStep" loan Prosper
  6. credithacker

    Navy Federal Business Card Approvals & High Utilization?

    I was planning on apping with Marus for the consolidation loan first but they only use personal bank statements and I run everything through my company. Anyone in particular that you'd recommend?
  7. credithacker

    Elan/US Bank check personal credit? Rep says no...

    Yeah I have the freeze already just wasn't sure if anyone else had experience with them. Appreciate the advice!
  8. credithacker

    Navy Federal Business Card Approvals & High Utilization?

    Thanks for the response. Well depends how they factor things. I always pay early and pay off in bigger chunks, most of the CC balance is from balance transfers from my Chase cards that are a higher APR. Also I would assume they would base some off the business which is a 13 year old LLC with 10 or so good trades. Was actually considering US bank or a card backed by Elan. Are the ones you sent easier to get approved for or do you just think NFCU will just look at my high util on their cards and not want to take the risk?
  9. credithacker

    Navy Federal Business Card Approvals & High Utilization?

    Also score is 701 so will probably knock that under 700 once it's pulled
  10. credithacker

    Navy Federal Business Card Approvals & High Utilization?

    Thanks DTI & income is fine. I listed all my cards, not sure how they view auth users but I do have a $17,800 Navy Card with zero balance and a $15,800 Chase zero balance. Actually just pulled my report and my scores are over 700, not sure if that matters much.
  11. credithacker

    Navy Federal Business Card Approvals & High Utilization?

    I know most people on here say not to worry about inquiries but it's caused issues for me in the past and my fiancee was just turned down for a balance increase on a 11 year old Wells Fargo card she has because of inquiries and she has 780+ credit. In addition to applying for a business card, I was also going to apply for a personal loan to consolidate some of the CC debt. Not sure how they will look at it as well. Just trying to play it safe which I didn't do in the past.
  12. I need to apply for a business card that doesn't report to personal credit. Does anyone know how NFCU views higher utilization on their personal cards for approving business cards? I have the 4 accounts below with them, credit in the 680 range with perfect payment history. Just don't want to waste the inquiry if chances of getting approved with them are low. Account / limit / balance % $25,000 > $22,251 > 89% NFCU CC $15,000 > $13,350 > 89% NFCU CLOC $25k 1/year > NFCU Auto Loan $17,800 > $ 0 > 0% NFCU CC / 0% (Auth user) Other Accounts / Utilization: $35,500 > $31,500 > 89% (Chase) $ 5,000 > $ 1,445 > 28% (Chase) $ 3,000 > $ 867 > 28% (Chase) $ 1,000 > $ 0 > 0% (Wells) Auth User CC's $15,800 > $ 0 > 0% (Chase) $ 9,000 > $ 0 > 0% (Chase) $ 4,100 > $ 150 > 3% (Wells)
  13. credithacker

    Fastest way for bureaus to update corrected CC balances?

    I hear ya. To be clear was only asking because the bureau I dealt with in the past had some backdoor fax that they will accept docs that prove the creditor had requested an update.
  14. credithacker

    Fastest way for bureaus to update corrected CC balances?

    Cool thanks. Any idea on how long it takes for Chase to update? It's been 3 days and I haven't received any updates from any of my credit monitoring accounts.
  15. credithacker

    Fastest way for bureaus to update corrected CC balances?

    I didn't pay to $0, I paid under 30%. Wells and Navy Fed will not update off cycle.

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