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nibanike

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    Land of 10,000 lakes
  1. nibanike

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    Minneapolis
  2. Hi Hegemony--another CB lifer!! :-) I've been dummy-ing down my resume, in hopes of even a temp job. I'm trying the dual track route right now--immediate cash of pitching a few small and sustainable social media contracts, while trying to find something with benefits. If I land a regular job, I'll do the contract work at night and weekends, because every $ generated will help. I'm probably over-reacting out of stress--but I'm not about to trash my credit by getting a 30 day late on a car payment--that's what it's come down to. I called Ally (car) today, and they will let me pay $
  3. I got another small contract and I'm now current on my bills. BTW, wow, Konrad 2012, way to be judgmental! After having been away from CB for a few years, if your comment is any indication of who is using this board now, I many not want any part of it. This board is meant for helpful advice, not negativity. I am trying to KEEP my good credit, so I have no intention of "burning" anyone. As a new biz without a Paydex score yet, and not having 2 years taxes to show self-employment, I was simply looking for a card that didnt' require income proof on the spot. I only have a
  4. Hi All. I've been on CB since almost its inception, but haven't been active for a few years. I'm in a position where I need some credit immediately, and ideally with a cash advance option. My scores hover around the low 700's, and my only credit (since I BK'd early 2012) is a car loan @ 4.88%, Kohl's $1,000 with $0 balance, and $70K in student loans-in deferrment. I'm contemplating doing a mini-app spree, but need places that won't look for income verifications. When I BK'd I had Citi, Cap1, Barclay's Patelco, DCU, and all the old standards from app sprees back in the day. Many had
  5. It looks like they're laying off 250 more in the Minneapolis area. http://www.fairisaac.com/fic/en/news/press...+Reductions.htm
  6. Is there a Community Capital Fund in your area? Where I live, there's one and you can only apply if the city's economic development team is willing to sponsor your application (meaning that they think there is a 65%+ likelihood of business success). Funds can be used for buildings, land, capital equipment or inventory only--which pretty much covers what you'd be asking for! Here, minimum loan is $100,000 and maximum is $1,000,000. Good luck in your financing search...I'm doing SBA paperwork as I write.
  7. Yesterday, I received a letter from Barclay's saying they were decreasing my limit on the Carnival Seas card from $6,100 (which they just bumped me up to in early May), and dropped my limit to $3,300 because of pulling a TU report. Their reason? "Significant increase revolving credit balances." I've don't have any lates in the last 7 years, no collection accounts, no public records--nothing negative whatsoever. Too bad they didn't take notice that my balance on the card was under $500 prior to me charging a single purchase of $2,400 in wholesale business products on THEIR card in the l
  8. Well, the rep just called and we're meeting at 5 on Friday, so I'll give negotiations one round before I decide whether to walk away. I appreciate all the input...this was so easy at first, and now, between a FT job, a very-part-time grantwriting business and this new venture, my husband and I are running 18 hour days. I was beginning to think I wasn't being objective.
  9. The owner isn't bankrolling anything. The only thing that kept this property on my list of 3 sites was that a discount grocery opened a few doors down and there's a lot of "new" traffic, the neighboring tenants don't seem to have any complaints, the demographics are ideal for an ethnic salon in a growing area, and this particular space was set up to be a salon when the future tenant backed out of a lease. This means that I don't have to pay build outs for an ADA-compliant bathroom, plus the plumbing has been done for 3 shampoo sinks and all of the extra electrical outlets are set up. Also,
  10. I'm in negotiations with a landlord for a retail salon, and now that I've signed the Letter of Intent, he's suddenly demanding copies of the business plan (which I'm quasi-OK with) and cash flow analysis and personal financial statement. I'm fine with providing a personal guarantee for the rent, as I live in a homestead exemption state and there's little likelihood that he could do any attachments to my home as the first $250K is exempt here. We thought everything was good to go--they gave us keys two weeks ago, told us to go ahead and get bids on the buildouts, etc. We'd discussed tha
  11. NCO is licensed here. I can't imagine what they would have bought other than a junk debt, but the pull is irritating me because I'm trying to secure business credit and don't need to have any flaws on my personal credit show up right now. Ah, the wonders of CAs!
  12. My Target red card was sitting at $300 since they opened it two years ago. The $5,000 limit was stated by the rep--it wasn't the result of me asking for a CLI at conversion. My highest limit card is Patelco @ $10,000, so maybe they're giving me 1/2 that amount??? Who knows!
  13. I called a week ago to make sure they'd changed my name along with the upgrade to the VISA. The rep said they print cards on Fridays, and that they go out in the mail Saturday of each week, and that mine was scheduled for printing 7/14. She said if I don't have it by 7/21 to call back. We'll see. She did say the card is for $5,000!!!
  14. *bumping* back to p.1 in hopes someone responds before I have to mail the letter out over lunch hour...
  15. To one of our dear "Top 5" (NCO, Asset, Palisades, RMA, etc.) My credit is perfectly clear on all three reports, and I've never had a late payment ANYWHERE in the past 8 years, and live in MN where the SOL is 6. I know there isn't anything they could be collecting for...anything that would have been purchased by a JDB would be at least 15+ years old! All of my scores are over 700. Of course, the inquiry popped up on my reports just as I had completed paperwork to secure a small business loan. To Whom It May Concern: I am writing to inquire as to your alleged purpose for placing a
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