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NIK

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  1. Hi I was just wondering if members who have tried successfully and unsuccessfully to add business credit cards to their DNB files can share there experiences in there attempts. I have read of some success but I cannot find the treads with the details. Thanks in advance for any comments or path to forum string referring to this topic would be appreciated. NIK TBI
  2. I do not mind sharing information that can be helpful to the forum. The highest credit that I have reporting is 12000. I have business credit card in the 35,000 limit but they do not report to D&B. I have one of there better products that I obtain free for one year due to a severe errors and confusion with my files. Furthermore, I was harassed by a representative that I managed to record. As a courtesy I was given one of there better products at no charge for one year. According to many posts that I have read by the board members buying D&B product is not always advantageous. My understanding is that I can add up to five accounts and submit financials to them if I like. I am still researching exactly the process that is required by reading other members post. My understanding from reading some excellent notes on the CreditBoard is that business Credit Card accounts cannot be added. Although, I have read some members have been successful adding Business credit card account. Thanks Nik TBI
  3. I applied for both and I was declined. I have been in business since 2001, but I became a Corp in Dec 2006. I have 8 trade lines reporting in DNB with Paydex of 80. My fico score on EQ=717, TU=700 and EX Faco is 732. Bestbuy claims that the business as reported by DNB is only 3 years old and don’t qualify for there credit product. State Farm pulled both TU and EQ. They state reason for denial as excessive credit inquiries in the last 6 months. TU has a total of 2 inquiries and EQ has 3 in the last six month and 2 that fall of this December because there 2 years old. Reconsideration on State farm APP was denied. I never question the reason again. Information is to share with those that are looking to apply. Thank Nik TBI
  4. Hi All Have anyone applied for the New AT&T Universal Reward Business Card? If you have applied for this card, please comment about your results with this card? I think it is a new Business card because I have just recently seen it advertise on the Citibank Business web site. If there is a thread already, please direct me to the location. I have done a search and I have not come across any recent thread. Thanks in advance for any comments. Nik Fico: Transunion=701, Equifax=655, Experian=708 Faco: TU=765, EQ=730, EX=750
  5. NIK

    Over the credit line

    Sorry about not providing more information. I have 15 accounts and I am only using 4 accounts. My total utilization is about 20%. Thanks again Nik Brain Inj
  6. Hi I have a question because this is the first time that it has happen, and I am not sure if this is going to have an effect on my credit score. My bill usually is ready on the 27 of the month. I accidentally went over my credit line by 175.00 and It was already reported on the same day I paid the complete balanced. It does not have any negative comments but it shows for example my credit line 13900 and my balance 14,075. I paid the full balance but it was already reported on the same day. Is this going to affect my credit score and credit report? Thanks for any comments about the above situation. This is so frustrating because I am always extremely careful. Sorry about not providing more information. I have 15 accounts and I am only using 4 accounts. My total utilization is about 20%. Thanks again Nik Brain Inj Thanks Nik Brain INJ
  7. Hi Wow it is depressing reading about CapitalOne on the board. Almost all the comments really make me want to cancel my application if I could. I have been getting invitations almost every other day to apply. Although I was skeptical I went ahead and submitted an application. I did not receive an automatic approval, and received 3 credit bureau pulls. I called for a status and the system states that It is being process and I should receive a response by April 15. I called to find out about other services that Capone offer for small businesses and the information given was sloppy at best and not informative. My experience in speaking to customer service in reference to checking accounts, savings, CD"s, and payroll services, for small businesses was very unprofessional and incomplete. Furthermore from reading the board and hearing stuff like “Crapone†and other comments, I am wondering what type of company this seem to be. Is this these people typical behavior? I am quite sure that after 5 days of submitting an application they should have a response for business owners (denied approve or we need to conduct brain surgery) Have anyone call an cancel there application? I could imagine there business practices and services if they act this way. Fico march 2008 Ex =705 EQ=680 TU=690 Nik Brain Injured
  8. NIK

    EAU UPDATE

    Hi I have check my Experian biz file and I try to check Equifax but I would prefer to do it by some other method that is more secure or that don’t asked for everything in my History because it could be misuse. The Small Business MSFinancial trial is an extremely nice bonus but it request to much information to be transmitted over a buggy dangerous internet. I was really disgusted with my Drivers License Request on the app. I never give out my middle name because it is the only tool against those that commit fraudulent act. I would prefer to fax that information. Reserving such a small piece of information has save me in the pass from an unscrupulous individual. Frankly I am surprised that it is included with all the information on the Trial for Equifax report because for some people it can be misused. Maiden name that so many people use can be dangerously transmitted with all the information that we all hold dearly. (This is just something to think about given the statistics on Fraud and theft) QUESTION please, I would like to get the so call Eaupdate . I already have my Duns and I have been doing business on my new company for 10 months. My Dun was self generated by my business activities. I have read various methods on the board and I would like to see my report without buying anything, and without delays. I don’t mine the sell pitch but I have read horrors perpetrated by a company that shows greed, without a limit to business ethics. Worse of all my understanding is that they are not rule by the same protections afforded to customers with there personal credits even though they provide information that is needed by those of us with small productive businesses to grow and compete. I have even heard that incorrect information is provided or files are held in an attempt to force businesses to purchase products that they might not want nor need for there Business productivity. Thanks in advance for a quick response Nik
  9. Hi All I taught I posted the question but I cannot find my post. I am sorry if this is a double post. What company is a good one to use to monitor my business credit? What are other members using that gives your company report and send warning when your report is pull. I have personal credit monitoring but I need business. Thanks all in advance. If anyone can point out threads with this topic it will also be appreciated. Nik
  10. NIK

    CITI FLEX LOC

    Sorry for the misinformation. Dinodad, you are absolutely correct, the Citiflex offer is a personal line and not business. I am in error because I received the offer at my office and it was address to my business, I assume it was a biz line of credit. Per you comments, I read further confirming it is personal. This serve as a reminder that is important to read carefully. Thanks Nik
  11. Hi I received a pre approve mail offer for the Citi Flex Line of Credit. I was wondering if anyone heard of this Citi Product and if anyone has good result applying. Any information you can provide will really be appreciate. I have done a search and I have not seen a posting for this product. If there is a thread/Post, I would appreciate being pointed in the right direction. Thanks all. Nik
  12. Already done that and the information is limited at best. My request for information still stands. And would appreciate any helpfull response. Thanks Again Nik "Hi all I just have a question for those who have the Citibank business thank you card. How difficult are the requirements to obtain the regular Citibank Thank you card. I already have the Business Premiere Pass and the AA advantage cards. Any pertinent information is appreciated like fico score when you applied and business credit strengths or any other information that can be provided to help members who would like to apply." Thank you
  13. Hi all I just have a question for those who have the Citibank business thank you card. How difficult are the requirements to obtain the regular Citibank Thank you card. I already have the Business Premiere Pass and the AA advantage cards. Any pertinent information is appreciated like fico score when you applied and business credit strengths or any other information that can be provided to help members who would like to apply. Thank you Nik
  14. Hi Does anyone have the American Express American airlines card? I receive a mail preapproved offer and I was just wondering the approval process and if anyone else have heard of this card. This was first time that I have heard that AA have an American Express Card for Business customers. Any comments are appreciated. The card that I am referring to is located at this location. http://www.aa.com/aa/i18nForward.do?p=/businessPrograms/businessExtraa.jsp&anchorEvent=false The link is coded for the security of our members. Thanks Nik
  15. Hi I asked a similar question on one of my prior post in relations to Chase Business cards in particular the Amazon Visa. I have spoken to 9 different customer service reps including 3 supervisors and one director or senior specialist. The constant theme was that Chase reports all small business accounts on the responsible individual personal credit report. I quote "This is done regardless of business clasifications Corp, LLC, partnership, sole propr. Etc. We do this with all small business accounts. I was told that the only exception to this practice would be when a small business has 5 or more employees. In that case an account is not reported on the individual credit report. Furthermore Chase claims that further information could be requested in regards to haven 5 or more employees working for the applicant business. I was really surprise by this practice and that is why I requested to hear from our friends at the credit board as towards there experienced with Chase AMAZON small business credit card or other Chase small Business CC. Thanks Brain INJ Nik

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