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theroadback

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  1. Has anyone applied for financing/lease with direct Capital for Apple products? If so, how long did it take to get approved and what did your credit file look like? Thank you in advance for your insight!
  2. I remember seeing a thread which had an Experian business credit monitoring discount code. Can't seem to find it. Can anybody post if they are aware of it. I can't seem to find it. Thank you in advance.
  3. Has anyone received a 50k bloc based on credit score alone and no doc? I have heard a few people say it's possible but don't remember what banks/ financial institutions they were. Has anyone received a no do bloc? If so, where? Thank you in advance for your help!
  4. There is income but possibly not strong enough for approval. I don't know what banks look at regarding income criteria or ratios. Are there any stated bloc with a strong pg? Any help or insight would be greatly appreciated. Thank you.
  5. Hi, I have a 760 fico and am looking for a no doc business line of credit. Have been in business 7 years but we try to write off as much as possible hence the reason looking for no doc. Has anyone got a no doc bloc recently? If so where? Only looking for 50k. Banks big and small, and Cu suggestions would be greatly appreciated. Thank you in advance for your help and guidance.
  6. Which financial institution do you think would be the easiest with the least hassle? Not all are created equal.
  7. I am in need of capital to expand my business. Looking for the easiest bank for 50k LOC. Was told Wells Fargo does no doc but then asks for docs. Bank of America says I need to have my account with them for the last year so they see what my revenues are. PNC requires tax returns. Does anyone have any experience with bus LOC from any big banks or other institutions that issue business lines of credit? My company does well however we write off as much as possible which helps with taxes but is a double edge sword when it comes to obtaining credit, loans and financing. If anyone has any experience or knows which big banks, small community Florida banks or credit unions would be the easiest to try a bus LOC I would appreciate your insight. My Fico is 750 and bus credit is great. Thanks in advance for all your help!
  8. It says same rate as purchases. Anyone else receive these checks at normal purchase apr?
  9. I just received checks that can be written against my bus credit card it seems, for same rate as purchases. Has anyone used these checks? Also, are these checks available for the whole credit limit or just a portion of total credit line? Any insight would be greatly appreciated. Thank you.
  10. I wanted to see my business credit profile with Equifax. Seems they have a lot of different options. Which is the least expensive report that shows the actual creditors, limits and balances and not just credit score. Thanks in advance for any insight!
  11. I have heard that Wells Fargo says they are stated lines of credit, but, then come back and ask for docs. Anyone have any experience in applying for a Bus line of credit with Wells Fargo?
  12. I did not have to pay to remove freeze. Rep said it will be off within 15 minutes. Tried pulling myfico this am and said it couldn't pull report so I am confused.
  13. I called Equifax with my pin and asked them to remove my security freeze permanently via the phone. I provided the pin and rep told me it would take 15 minutes for it to be removed. Waited until next day and went to pull myfico and says it can't pull my report. How long does it usually take? Could she have been mistaken about 15 minutes? Any insight would be greatly appreciated. Thank you!
  14. I am looking for a 50k no doc, stated business line of credit from one of the big banks and wondering by experience which one is easiest to get? Business is 4 years old and I will PG with a 740 fico. Any insight would be greatly appreciated! Also, if there is any other financial institutions I am missing or if anyone has had a good experience with anyone I am missing I welcome the input. Thank you so much in advance for your help!
  15. Thanks for all the info fixncred! They gave me my rep but she is on vacation until next week. Two last questions: 1) Do you think they are more strict and critical with higher limits and having to submit the personal financial statement? 2) Do you know if they pull the business credit bureaus like dnb or exp or is it strictly a personal pull? Thanks again for all your help!!

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