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TylerDurden

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Everything posted by TylerDurden

  1. Does Clearview FCU Report Authorized Users ? I just wrapped up a Chapter 7 BK I am ready to start rebuilding my credit. I have not applied for anything yet. I want to get added as an AU to boost my score before I start applying for 1 auto loand and 2 CC's - prob Cap1 and Credit One My friend (different name & address) offered to add me as an AU to his Clearview FCU CC (Seasoned with good payment history) I called Clearview two times and they said that AU's do report the same as the cardholder. Can anyone confirm that Clearview FCU does report AU's ? Is there any way I can find out for sure ?
  2. If someone has a PSECU Credit Card, Signature Loan and Auto Loan which are all Cross/Collateral - meaning you have to pay for all the loans off to get your car title. Can you reaffirm your car loan in a BK in this situation? Is it up to the bank? Will they likely let you keep the car or likely take it? The amount owed is exactly the KBB value. thanks
  3. If you state your income as higher than it might be on a credit card or loan application: (with no verification of income required) For example, maybe your income fluctuates, If you make your payments for several months or years, then fall on hard times and are no longer able to continue making your payments. 1) Do the banks work with you? 2) Do they look into this? 3) Can you be accused of anything.
  4. Am I missing any banks that give generous approvals that typically pull TU only?
  5. bump Here are the banks: ( In the order I am thinking) 1) BBVA COMPASS personal visa 2) Barclay 1 Pers and 1 Biz --- (Have 1 Biz Barclay Visa now) 3) Nationwide --- (Have 1 biz NW Visa now) 4) STATE FARM --- (planning on locking EX and EQ, just in case) 5) US BANK FLEXPERKS 6) UMB GUIDE DOGS 7) HOOTERS MERRICK OPTIONAL SUBSTITUTES: 1) Century CU 2) Barnes & Noble Visa 3) Target Biz Acct (locking EX AND EQ) LET ME KNOW YOUR THOUGHTS --------------------------------------------------- 1) Should I change the order ? 2) Should I not app any of these banks, based on my TU stats? 3) Should I add any banks based on my TU stats? --------------------------------------------------- I WILL UPDATE EVERYONE WHEN I GET APPROVALS! THANKS
  6. Can an AA negatively affect your credit score? Anyone have specific examples of Adverse Actions? What Banks might do it? What exactly will they do?
  7. I need the advice from the best forum online - CB I am doing 7 TU only Pull Applications Here are my stats: --------------------------- 741 TU FICO / 747 CCT FICO 1 TU INQ ( 2 months old) 17% UTIL Oldest Acct: 12 to 13 years AAOA: 8 years ---------------------------- Here are the banks: ( In the order I am thinking) 1) BBVA COMPASS personal visa 2) Barclay 1 Pers and 1 Biz --- (Have 1 Biz Barclay Visa now) 3) Nationwide --- (Have 1 biz NW Visa now) 4) STATE FARM --- (planning on locking EX and EQ, just in case) 5) US BANK FLEXPERKS 6) UMB GUIDE DOGS 7) HOOTERS MERRICK OPTIONAL SUBSTITUTES: 1) Century CU 2) Barnes & Noble Visa 3) Target Biz Acct (locking EX AND EQ) LET ME KNOW YOUR THOUGHTS --------------------------------------------------- 1) Should I change the order ? 2) Should I not app any of these banks, based on my TU stats? 3) Should I add any banks based on my TU stats? --------------------------------------------------- I WILL UPDATE EVERYONE WHEN I GET APPROVALS! THANKS
  8. Her father is retired Marine Corps (I apologize for the typo, I have much respect for our military members) My father is a retired Vet, but not a member of NFCU I sent them 7 documents proving proof of residence and that I live with my gf. They unlocked all of her accounts. We asked for a call back from the security dept. They did not call me back and all of my accounts are still locked, hers are fine. I'm not sure what else they will need from me at this point. Do you have to provide VOI to be a member and keep you accounts open? My 2010 taxes are not done and 2009 won't support my apps. P.S. Nothing was mentioned as far as changed with my report, and I never disputed those inquiries.
  9. The Security Dept is grilling me. They said they need to verify my address and that I live with my gf. They say I need to provide proof of income. The guy is really beating me up. Whats the worst that could happen, say if I refuse to provide income verification. I don't like being treated like this.
  10. Does Alliant allow you to apply for credit products with the same inquiry that you use to join? Or do they need multiple inquiries
  11. my sponsor: girlfriend aka domestic partners - her father was in the marine corp Could that actually matter?
  12. Anyone heard of this? I can't access any of my checking, savings or credit cards. I'm a new member, they approved me for $10K card when I joined and a second $10K card 3 days ago. The day I am supposed to get access to the second card, they lock every account that I have. I have NO access to funds. They did this to my sponsor as well who I joined under. I have to call the fraud dept between 9am and 3pm tomorrow. I have not late payments and nothing negative on credit reports or anywhere. I am so confused. WTF Anyone seen a bank tie up all your accounts before? Thanks
  13. I have myfico, creditchecktotal, usaa monitoring, and all 3 bureaus monitoring. Utilization seems to very often be screwed up. I try to do my own calculation then judge it against theirs. Sometimes TU will count a revolving as other or installment account, or vice versa, sometimes it hurts and sometimes it helps. All the different monitoring and scoring services even come up with different utilization numbers for the same bureau. And CCT updates faster than myfico most of the time, Equifax monitoring seems to have the quickest response for updating inquiries, for balances it really depends on when you creditor reports and when the bureau updates. Try to do the math yourself the best you can Balance (divided by) Limits on all revolving. I learned a ROUND ROBIN TRICK TOO! Example: ----------- BALANCE --- LIMIIT --- DUE DATE ACCOUNT A $1,000 $1,000 1ST ACCOUNT B $5,000 $10,000 15TH ACCOUNT C $3,000 $4,000 25TH ---------------------------------------------- Limits: $15K , Balance: $9K, UTILIZATION: ( Bal $9K / Limit $15K ) = .6 OR 60% Utilization and 40% Available If you dont have $9K to pay down your balances. Borrow $5K from B to pay C by the 25th, then Borrow $1K from C to pay A by the 1st, then Borrow $5K from A and C to pay B by the 15th, This will give you a 0 utilization from your CRA update of paying off B (a few days after your cycle date), till the reporting of C (a few days after the cycle date) This could be 10 to 15 days or more. YOUR UTILIZATION WILL BE AT ZERO PERCENT - EVEN THOUGH YOU DONT HAVE THE MONEY TO PAY THEM OFF The best utilization to be at is 7% in my opinion and based on myfico. 0% utilization scores are normally lower than 7% utilization scores, and I always have a higher score with a very small balance. Bonus Points: You can change your dues dates and cycle dates (cycle is normally 3 days after due date) If you change your due / cycle dates and payoff one card at a time, using convenience checks or cash advances, you can get your utilization WAAAY Down. And this affects your score more than almost anything else. It may cost a few bucks, but a higher credit score or lower rates, can pay for itself over a short time. Hope this helps.
  14. I just got approved for a PSECU Auto Loan and will let you know when mine shows up. How long did yours initially take to show up?
  15. Just got approved with PSECU for credit card, personal loan and installment loan. 1) How long does it take from when you send in the activation letter till when they show up on your CRA's? 2) What day of the month do they typically update you CRA's for balances etc?
  16. I'm going to share a ton of valuable information that I have paid thousands of dollars for, so you can have some additional sources of funding that are approving now (Nov 2010) (not bragging, I just want you to know the value) Credit Boards has helped me in my business credit journey so much that I want to continue to give back: Since I am sharing so much valuable info, please allow me to ask one short question at the end. I know you're not supposed to ask questions in this thread, but the answer will actually help others to get MORE Biz Credit Approved !! ************************************************************ Most recent accounts that I got approved for: I have 2 LLC's - I used my newer one with 0 Biz Credit for these apps 5 Years Old - No Paydex or Experian Scores ************************************************************ approved: Who? Superior Financial Group How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None Credit limit? $5000 - may get raised to $10,000 PG? Yes - Very Flexible with less than perfect credit Terms? Installment all funds initially deposited - Low Rate (6% to 8%) Provide them additional information/financials? No Doc - All Stated Application? (online/in store/phone)? Online Other info? ---------------------------------------------------------------------- approved: Who? Accion USA How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None Credit limit? Uncertain - App is Pending PG? Yes - Very Flexible with less than perfect credit Terms? Installment all funds initially deposited Provide them additional information/financials? Low Doc -------------- Accept Quick Books or Bank Statments Application? (online/in store/phone)? Online Other info? Very Flexible with less than perfect credit -------------------------------------------------------------------------- approved: Who? Barclay's Air Tran Visa ( 0% intro - trad. biz cr card) How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None Credit limit? $7500 PG? Yes - with good personal credit and 0 Biz Credit - will approve Terms? 0& Intro Period Provide them additional information/financials? No Doc Application? (online/in store/phone)? Online Other info? --------------------------------------------------------------------- approved: Who? Key Bank How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None Credit limit? $7500 PG? Yes - good personal credit and no biz credit is ok Terms? 0% intro rate Provide them additional information/financials? No Doc - All Stated Application? (online/in store/phone)? Online Other info? ----------------------------------------------------------------- declined - too many inquiries Who? First National Bank of Omaha Biz Credit Card How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None for this LLC Credit limit? 0 PG? Yes - Terms? 0% intro rate Provide them additional information/financials? No Doc - All Stated Application? (online/in store/phone)? Online Other info? Called to get an approval - they stuck to the too many inquiries decision -------------------------------------------------------------------------- declined - due to FIA Card Services (see 'other info' below) Who? Regions Bank How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None Credit limit? PG? Yes - Very Flexible with less than perfect credit Terms? 0% intro Provide them additional info? No Doc - All Stated Application? (online/in store/phone)? Online Other info? *** Watch out for any Credit Issuer that uses FIA Card Services *** *** Somehow they can see all your debt business and personal, *** even if you didn't put the info for the debt on the app *** To the best of my knowledge, this has been my experience *** -------------------------------------------------------------------------- I recommend Funding Universe - They link your credit to bank's underwriting guidelines I paid them $100 and talked to a consultant and got $30+K in funding so far. They have a hard sell for a $3000 program, but if you pay the $100 and talk to the gentleman at ext 123, you can get a wealth of info for only $100, and you can do more business with them later after they help you. 888 779 8393 They also recommended SBFC law group - they are currently doing a 12 month inquiry sweep for $500. They say they can remove either All or almost every inquiry in 2 to 4 weeks, and they keep working till they are off. 801 858 3329 SBFC also does credit repair for $2K if you negotiate with them, with $500 a month for 4 months. They are lawyers and paralegals: Very Legit Private Message me for more information, and others have helped me build credit without charging me, so I'd be happy to answer any questions that I can. *********************************************************** QUICK QUESTION - if that is ok with everyone: *********************************************************** I have an LLC 5 to 6 years old with an Experian Intelliscore Plus and PBR of 72 (Low-Medium Risk) I have nothing reporting to DnB for this LLC I want to get some non-pg cards with no personal inquiries: Such As: * Costco * Best Buy * Home Depot or Lowes * Sears * Dell or Apple * Other Retail accounts with no PG etc **************************************************************** Can anyone tell me who will approve me with 72 Experian Biz Score & 5 to 6 years in business: * without having a DnB profile and * without pulling personal credit. I am willing to get some business credit with any retail or biz credit card With A PG that only pulls Equifax personal, I have the least INQ's with EQ ****************************************************************** Any Help is Greatly Appreciated. Feel Free to ask me questions on PM or in another thread to be respectful of the biz approved thread. I'm grateful for all of your help!
  17. I'm going to share a ton of valuable information that I have paid thousands of dollars for, so you can have some additional sources of funding that are approving now (Nov 2010) (not bragging, I just want you to know the value) Credit Boards has helped me in my business credit journey so much that I want to continue to give back: Since I am sharing so much valuable info, please allow me to ask one short question at the end. I know you're not supposed to ask questions in this thread, but the answer will actually help others to get MORE Biz Credit Approved !! ************************************************************ Most recent accounts that I got approved for: I have 2 LLC's - I used my newer one with 0 Biz Credit for these apps 5 Years Old - No Paydex or Experian Scores ************************************************************ approved: Who? Superior Financial Group How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None Credit limit? $5000 - may get raised to $10,000 PG? Yes - Very Flexible with less than perfect credit Terms? Installment all funds initially deposited - Low Rate (6% to 8%) Provide them additional information/financials? No Doc - All Stated Application? (online/in store/phone)? Online Other info? ---------------------------------------------------------------------- approved: Who? Accion USA How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None Credit limit? Uncertain - App is Pending PG? Yes - Very Flexible with less than perfect credit Terms? Installment all funds initially deposited Provide them additional information/financials? Low Doc -------------- Accept Quick Books or Bank Statments Application? (online/in store/phone)? Online Other info? Very Flexible with less than perfect credit -------------------------------------------------------------------------- approved: Who? Barclay's Air Tran Visa ( 0% intro - trad. biz cr card) How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None Credit limit? $7500 PG? Yes - with good personal credit and 0 Biz Credit - will approve Terms? 0& Intro Period Provide them additional information/financials? No Doc Application? (online/in store/phone)? Online Other info? --------------------------------------------------------------------- approved: Who? Key Bank How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None Credit limit? $7500 PG? Yes - good personal credit and no biz credit is ok Terms? 0% intro rate Provide them additional information/financials? No Doc - All Stated Application? (online/in store/phone)? Online Other info? ----------------------------------------------------------------- declined - too many inquiries Who? First National Bank of Omaha Biz Credit Card How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None for this LLC Credit limit? 0 PG? Yes - Terms? 0% intro rate Provide them additional information/financials? No Doc - All Stated Application? (online/in store/phone)? Online Other info? Called to get an approval - they stuck to the too many inquiries decision -------------------------------------------------------------------------- declined - due to FIA Card Services (see 'other info' below) Who? Regions Bank How many reporting on DnB/Experian Biz? No DnB - No Experian Paydex - None Credit limit? PG? Yes - Very Flexible with less than perfect credit Terms? 0% intro Provide them additional info? No Doc - All Stated Application? (online/in store/phone)? Online Other info? *** Watch out for any Credit Issuer that uses FIA Card Services *** *** Somehow they can see all your debt business and personal, *** even if you didn't put the info for the debt on the app *** To the best of my knowledge, this has been my experience *** -------------------------------------------------------------------------- I recommend Funding Universe - They link your credit to bank's underwriting guidelines I paid them $100 and talked to a consultant and got $30+K in funding so far. They have a hard sell for a $3000 program, but if you pay the $100 and talk to the gentleman at ext 123, you can get a wealth of info for only $100, and you can do more business with them later after they help you. 888 779 8393 They also recommended SBFC law group - they are currently doing a 12 month inquiry sweep for $500. They say they can remove either All or almost every inquiry in 2 to 4 weeks, and they keep working till they are off. 801 858 3329 SBFC also does credit repair for $2K if you negotiate with them, with $500 a month for 4 months. They are lawyers and paralegals: Very Legit Private Message me for more information, and others have helped me build credit without charging me, so I'd be happy to answer any questions that I can. *********************************************************** QUICK QUESTION - if that is ok with everyone: *********************************************************** I have an LLC 5 to 6 years old with an Experian Intelliscore Plus and PBR of 72 (Low-Medium Risk) I have nothing reporting to DnB for this LLC I want to get some non-pg cards with no personal inquiries: Such As: * Costco * Best Buy * Home Depot or Lowes * Sears * Dell or Apple * Other Retail accounts with no PG etc **************************************************************** Can anyone tell me who will approve me with 72 Experian Biz Score & 5 to 6 years in business: * without having a DnB profile and * without pulling personal credit. I am willing to get some business credit with any retail or biz credit card With A PG that only pulls Equifax personal, I have the least INQ's with EQ ****************************************************************** Any Help is Greatly Appreciated. Feel Free to ask me questions on PM or in another thread to be respectful of the biz approved thread. I'm grateful for all of your help!
  18. Does anyone know any legit inquiry removal companies? or Can I easily do it myself?
  19. I need to remove 6 inquiries from my personal credit report that are from the last 3 to 6 months. I understand this will help my approval for different types of credit. ----------------------------------------------------------------------------------------------------- 3 Questions: 1) What are the legit companies that do it / How much do they charge? 2) Can I easily do it myself, instead of paying? 3) How much will this help me get approved? (My 3 credit reports are all around 750 to 770. ------------------------------------------------------------------------------------------------------- Thanks CBers. I love contributing to help others on here and appreciate your help. We have one great community here!
  20. So you are saying that many banks ARE issuing credit cards again if you have great personal credit?
  21. I already have a Citi Business Credit Card. Does that matter? Will they give me a different kind of Citi Business Credit card even though I have one?
  22. What Banks are being generous in granting regular Business Credit Cards (That won't report to personal reports - PG cards are ok in this post) Lets include 1) For Bus's with 2 Year old Biz's and 700 + personal scores and 2) For newer Biz's with less than 700 personal scores thanks
  23. I understand that Key Bank wants to do an inquiry on my personal credit before I get the Business Credit Card, BUT they are telling me that once the account is created That the credit card will show up on my personal credit reports as an account? 1) IS THIS TRUE? or was the agent wrong? 2 ) ANYONE HAVE ACTUAL EXPERIENCE WITH THIS? 3) Also who is lending generously on regular business credit cards that can be used for any purchases? Thanks CBers

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