EugeneV said:win333, what you don't get is that your "contributions" are not just typically worthless but they actually decrease the quality of this forum. You rarely understand what other people are discussing and what you post rarely makes sense. I got to disagree with you on this point - While alot of Win's posts are as gung-ho as others are cautious, both sides (the 'reckless' and the 'hyper-conservative') merit equal consideration. He especially is progressing down a road that could produce valuable info for all of us. My only real issue with Win has been his abrasive responses to those who do not share, and insistance that everyone buy into, his 'all-in' mentality. Filter out that static and he has alot to offer.

MikeR397 said:Another aspect I've seen many people overlook with business credit:

Just b/c you have your Chase business credit hidden from your credit report (so you can still get a good BOA line) does NOT necessairly mean that you can get more Chase personal credit. While Chase can't see it on your credit report, they do know (I am pretty sure of this) about how much credit you have on the business side with them. I do know some issuers can't see your business credit when looking at personal, but it seems many can tell. I know Chase and Citi know how many total cards you've applied for regardless. Just another thing to be aware of.

Chase definitely knows how much business and personal credit they've assigned you. I recently applied for a 2nd business card when I already had a $25k line on 1 business card and $85k in personal credit from them. They were happy to close/reallocate but would not give me a penny more.

Instead of posting this multiple times, I'll just post this link.

out smarting a credit who want to pull a frozen report and using 2 businesses

This may not work everytime, but each time we figure out a way to get an approval using the credit report we want them to use, can only help our cause.

If anyone thinks I don't contribute, please don't follow the link.

I actually accounts (like grainger, uline, reliable, advanta, usbank, Staples, Office Depot, home depot store and mc, expo etc reporting to dnb, ex and eq biz)

YES, WE HAVE A WINNER!

TyroneSchulace, that was the single most informative post I've seen in this forum in many months.

DNB - I didn't even think about my company's health insurance payment - makes sense. What's the "Executive Office" line? Is there a cheat sheet for DNB entries somewhere?

Advanta - great info on the multiple address/business strategy.

TyroneSchulace said:I also concur that one's personal credit is the largest determiner for size of biz lines. The second would be the total amount of debt with the issuer, biz and personal, but that's an easy work-around.

An easy work-around because you create multiple businesses? I'm assuming this to be the case because of what you said here:

...the CL's with separate entities have been greater in my experience.

Can you expand on that thought? Have you gone through the Dell/Office Depot/Nebs, etc. creditboards dance to create credit for each new company?

win333, i'd love to give you some luv - i just don't understand what you're saying most of the time.

i was initially impressed by your enthusiasm when you first started posting, but then you started attacking people whom i respect and have made me many, many dollars. so yes, i tend to discount what you say. that would be human nature.

let's say you already have excellent personal and business credit. if you can clearly and concisely show me how to create a new business and double my available business credit, i guarantee i would shower you with all the love you would so richly deserve.

Wow, what a compliment from one of the immortals...Thanks
lhendricks92 said: 1.What's the "Executive Office" line?
2.Is there a cheat sheet for DNB entries somewhere?
3.An easy work-around because you create multiple businesses?
...the CL's with separate entities have been greater in my experience.4.Can you expand on that thought?
5. Have you gone through the Dell/Office Depot/Nebs, etc. creditboards dance to create credit for each new company?
1. I'm clueless. accountant?
2. Sorry,I'm clueless again.
3. No, I just have read that squeaky clean is the way to go (zero showing). I used about 100k from AOR1.0 to pay down an 8% note, so I have to leave some debt somewhere. I put a little in a HELOC, and the rest on one issuer, biz of course. Then I did a SLOW AOR. I figure if inquiries show up immediately, then it doesn't really matter what speed I go, as long as all apps have decisions before new accounts and balances start showing up. I applied for biz and personal to the clean issuers, BTed to the one, then applied to the one. Then BTed the personal stuff.

4. If I want 2 cards from one issuer, for me, the same biz will generate a 20-40k card and a 3-10k card. Separate will get me a 20-40k and a 10-30k. Is this true for others? I'd like to know the ratio of small CL/large CL.

5. I don't know what that dance is, but I guess I need to read about it. I'm not trying to get around PG. I use my SSN on every app. I thought a lot about this, and I want everything perfectly legit in case of default from major illness or whatever, so nobody can holler fraud. These entities spend real money and have real assets, and checking accounts, etc. So they show up at D&B all by themselves, get targeted offers, and free imprinted ball-point pen and fridge magnet samples.

win333, that was a mouthful. quite the opposite of clear and concise. let me see if i can digest.

I've read your BRRRR thread and at least 95% of your posts. I don't know how many times I have to ask this: What does it matter how many tradelines I have reporting to DnB, Experian and EQ Biz? I'm getting big, fat, profitable lines for my business without applying for piddly $500 Office.Depot accounts. If you're telling me I could bigger, fatter, and more profitable lines by getting a $300 Shell gas card without a PG, I'm all over it. If you're telling me I can double my business credit by starting a second business, I'm all over that, too.

This thread is about strategy. I agree the details are important - but I don't see the vision for what you're doing. Please, please enlighten us.

TyroneSchulace said:Wow, what a compliment from one of the immortals...Thanks
I'm quite mortal, I assure you.

3. No, I just have read that squeaky clean is the way to go (zero showing). I used about 100k from AOR1.0 to pay down an 8% note, so I have to leave some debt somewhere. I put a little in a HELOC, and the rest on one issuer, biz of course. Then I did a SLOW AOR. I figure if inquiries show up immediately, then it doesn't really matter what speed I go, as long as all apps have decisions before new accounts and balances start showing up. I applied for biz and personal to the clean issuers, BTed to the one, then applied to the one. Then BTed the personal stuff.

I like this strategy. A lot.

4. If I want 2 cards from one issuer, for me, the same biz will generate a 20-40k card and a 3-10k card. Separate will get me a 20-40k and a 10-30k. Is this true for others? I'd like to know the ratio of small CL/large CL.

Finally, a tangible example of creating more credit by using more businesses. Not quite double, but I'll take a 50-75% increase in my available biz credit.

5. I don't know what that dance is, but I guess I need to read about it. I'm not trying to get around PG. I use my SSN on every app. I thought a lot about this, and I want everything perfectly legit in case of default from major illness or whatever, so nobody can holler fraud. These entities spend real money and have real assets, and checking accounts, etc. So they show up at D&B all by themselves, get targeted offers, and free imprinted ball-point pen and fridge magnet samples.

I totally agree on the PG thing. I've suspected it's more a technique to get away from personal credit problems than to build business credit - at least for the size of businesses we're discussing. What are the structures (S-corp, sole prop, etc.) of your companies and how old are they?

lhendricks92 said:win333, that was a mouthful. quite the opposite of clear and concise. let me see if i can digest.

I've read your BRRRR thread and at least 95% of your posts. I don't know how many times I have to ask this: What does it matter how many tradelines I have reporting to DnB, Experian and EQ Biz? I'm getting big, fat, profitable lines for my business without applying for piddly $500 Office.Depot accounts. If you're telling me I could bigger, fatter, and more profitable lines by getting a $300 Shell gas card without a PG, I'm all over it. If you're telling me I can double my business credit by starting a second business, I'm all over that, too.

This thread is about strategy. I agree the details are important - but I don't see the vision for what you're doing. Please, please enlighten us.

How many bizes do you have, 1. Look at Venturion, I just got a U.S. bank biz card for each of my businesses on the same day. My real biz got 10,000 and my new LLC with limited credit got 15,000.

If you can have 2 businesses then you can have 100, WHAT is so hard to understand!

Supercreditman has 3 businesses with duplicate cards for each business, Venturion is starting now also and so am I. Supercreditman should have be evidence enough but you still ask for proof FROM ME! You know I just started the LLC thing and it takes time. So all you have to do is look at Supercreditman, the clues have been here for YEARS and noone cares to notice.

So yes I'm saying you can get a boat load of credit, but you won't believe me until (I) do it.

I was explaining this to a friend and I didn't realize WHY they didn't understand the importance. So I'll explain it to you.

For example: The number of tradelines on DnB is important because for over 100 years a companies size has be determined by the number of tradelines it has in it's files. WHY!!!

It is said that out of the 6,000 credit grantors only about 60 report to DnB, so since credit is a big secret. If you have 20 tradelines that would mean you might have 100 accounts that don't report (for example)....

A company that has 100 accounts must be big and not a fake entity. My Capital one APP didn't even ask for my companies revenue or income or even my own income. How can they extend credit, if they have no CLUE how much I earn!

I'm not even saying DnB is important, actually I think EQ BIZ is the main CRA. But after 5 years in business I didn't get a EQ BIZ file until I got my DnB#. So thats why DnB is important, they get the process started. Of course there are other way but I can make a business in 5 minutes thru DnB.

After I applied for U.S. Bank I only noticed 1 INQ. I thought maybe they used my 1 pull to give me 2 cards. But I just read on creditboards where someone else noticed no personal pull, because if they had pulled the persons credit they would have been denied with a score in the upper 500's.

So if you can't get the message from my writing, read supercreditmans *it's priceless* for anyone who is really listening.