win333 said:I don't get " unable to verify" anymore, Maybe you want to show a new car payment on your credit but I don't. So debt to income and credit score will be helped.

I also think I'll get credit lines larger than 25,000 eventually on approval.

Welp income is not part of FICO, so I don't see how debt to income ratio could effect your credit score. However I do see your point, if you have problems with your personal credit report you can hide some of the problems, such as utilization, as biz credit. Or when you apply for credit the lender (who does look at debt to income) could be fooled into loaning you more than he normally would.

If you have a good personal credit score is there any reason to do more than get biz credit as a Sole Proprietor? It was trivial for me to get sole proprietor biz lines to hide most of my AOR utilization.

mhesidence said:win333 said:Your not making profit from it, your using it to remove any doubt that you are a real business.

If you aren't making a profit, what is the point of getting the credit lines?

even though it may not make a profit now its only going to help you make a profit in the future

win333 said:Well another example might be, On my Duns report my REV is listed. Most apps don't ask things like that. I have seen very few 50,000 approvals by anyone here, thats what I'm shooting for. Most apps say up to 50,000 but rarely give it, I think no biz report is why.

Fico doesn't calculate DTI but you bet the bank does, but businesses use REV to make purchases so I think limits should naturaly be higher.

Right now it's still to soon for me to tell, i'm getting ready for my next AOR.


I know have a paydex, 13 lines on EQ and 3 on exp. biz. The more lines I have the bigger my company looks without asking for DOCs IMHO.

I'll be sure to post results, right now I'm waiting for advanta and Crap1. my last decline from Advanta was " unable to verify" this time was instant but no CL yet. so we'll see.

My best biz reports are for my SoleP also, so it doesn't need to be a CORP.So where does a DUNS number come into play on biz credit card apps? I dont recall ever seeing anywhere to enter it (although I admit I was never looking for it). Or does anyone checking pull up your DUNS file based on biz name/address? I've had a EQ report and a DUNS number for years, but as far as I know the DUNS number itself has never been 'used'.

Glitch, it's not that they check DUNs. Duns starts the trade credit, which starts the Experian and Equifax biz files. I can't see who pulls Dnb but anyone can search DnBs website and atleast see if your listed there.

BofA is reporting my 2 biz cards to Equifax biz now, so I think BofA must be checking biz reports. I've had to many things changing on my credit report recently to tell if biz reports are helping. But from here on out we will be able to compare apples to apples now that my FICO is 750+.

I will tell you this though, After I got listed with DnB and a Biz Lic. I get offers all the time at my business addy, thats 2 of my 3 chase apps that I got approved and the Cap1 I just got approved for.

win333 said:Duns starts the trade credit, which starts the Experian and Equifax biz files.

I do not think this is true. Do you have any evidence?

I think D&B starts when you enter your information via eUpdate (and request a free D-U-N-S, or pay for one and get some info on your report verified plus possibly a credit rating), or fill out another form for govt. contractors, or when D&B collects enough information on your company from various sources and puts it together (not sure exactly how and when). I do not think this is related in any way to EX or EQ. Most issuers report to SBFE, which is outsourced to Equifax but owned by the issuers. I suspect that EQ and SBFE reports are identical. Experian Biz is separate. I am not sure which issuers report there, but I think a simple inquiry will create a file there. I had a file for two years, with company name and address and 0 tradelines. Now I have 2, not sure which yet.

win333 said:In trouble by WHO, the INQ police? LOL!

If you enjoy talking to yourself so much, could you please do it elsewhere? No, NOT INQ POLICE, YOU DUMMY. You will be blacklisted by the issuers whose legitimate inquiries you are disputing. Plus they may share this information with other issuers.

win333 said:INQs: Why don't you ask Supercreditman if it works, hell he calls EQ and disputes his. But your more than welcome to keep thinking what you want, I didn't invent disputing INQs. But I was smart enough to see someone else doing it and knew it would work.You are right, they are more than welcome to verify each dispute and keep the inquiry on your report but choose not to. I think the only point here is to ask:

What if you get a stack of notices in the mail that your accounts have been closed, because the credit inquiry that each approval was based on came back as having been disputed as not permissible? What if one day you find that all your inquiry disputes raised a flag and caused someone to review and verify everything, would you be livid to see 75 inquires suddenly re-added to your report? Or would you accept it as having been "busted"?

It may or may not happen, it may be likely or unlikely, however the point is that it COULD happen. But if you are playing the game and are willing to accept such losses, then more power to you.

Glitch99 said:win333 said:INQs: Why don't you ask Supercreditman if it works, hell he calls EQ and disputes his. But your more than welcome to keep thinking what you want, I didn't invent disputing INQs. But I was smart enough to see someone else doing it and knew it would work.You are right, they are more than welcome to verify each dispute and keep the inquiry on your report but choose not to. I think the only point here is to ask:

What if you get a stack of notices in the mail that your accounts have been closed, because the credit inquiry that each approval was based on came back as having been disputed as not permissible? What if one day you find that all your inquiry disputes raised a flag and caused someone to review and verify everything, would you be livid to see 75 inquires suddenly re-added to your report? Or would you accept it as having been "busted"?

It may or may not happen, it may be likely or unlikely, however the point is that it COULD happen. But if you are playing the game and are willing to accept such losses, then more power to you.

Glitch come on now.

Alright I'll play.

Who is this.

INQ: FBBS

Your giving the CRAs way to much credit (pun intended). Like I said, ask Supercreditman heck he may have been doing this for YEARS. Actually I got it from somewhere else here about the online but SuperCreditman calls and actually asks them to investigate the INQ.

So Like I said, do what you want. Hey what if all those B*ed INQs come back, you could have 100 and then you would get A/A and trust me ALL YOUR ACCOUNTS WILL BE CLOSED. Then what!

lhendricks92 said:Please discuss disputing inquiries elsewhere. This is not the topic of this thread.

I've been hoping to discover how business credit can augment my BT arbitrage empire, but I'm not seeing a whole lot of new information. For those of us with prime personal credit and a verified business, I'm still not seeing the point of PG-less business credit. We don't need to hide personal spending with business credit. My wife and I have amassed well over $500K of business credit since discovering this forum, and we haven't done anything special to cultivate business files. All of our business lines are the result of our strong personal credit.

If you're telling me I could double my existing $50K+ business lines with AMEX, Citi, Chase, Juniper, etc. by augmenting my business files with PG-less credit or starting new businesses, I'd love to hear it.

I'm trying to understand, but I'm not just not seeing the benefits.

I understand your point and agree with you. I'm only 1 person, soon as anyone brings up biz files here FWF jumps to conclusions and runs off topic. If you bring up the FWF way on CREDITBOARDS you get jumped also, just try mentioning "app spree" on creditboards and you'll understand. They think you should only apply for a few accounts and then wait 6 months.

So I'm working on it as fast as I can and will report as soon as I know for sure. If I can get 50,000 approvals without Docs then i'd say it's better, but if all I get is 12,000 or so then obviously there would be no benefit.

Right now I think SuperCreditMan is a good example, but he doesn't use the FWF way of combining credit lines. So it's still hard to tell.

what 15 month citi offer? must have missed that one.

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