topic Re: Business credit approvals so far NO PG in Business Credit

Business credit approvals so far NO PG - UPDATE!!! 2nd Update!

Anonymous — Thu, 27 Dec 2018 19:50:11 GMT

Uline Net 30 - SL Unknown
Quill Net 30 - SL Unknown
FedEx Net 30 - SL Unknown
BP Business Solutions Net 30 - SL Unknown
Fleetcor Fuelman Net 15 - SL $1200

I know I was approved for Quill and Uline because they shipped my stuff which I received next day, which was awesome. Doesn't say what my SL amounts are though. I may call them.

FedEx sent me a card saying enjoy my benefits, but again it didn't give a SL. So I will have to call them.

BP Business Solutions sent me a letter this morning saying I was approved and they would send more information soon. No SL info, I won't call I'll just wait for the info first.

Fleetcor Fuelman sent an email yesterday saying I was approved but they had the SL listed as $1200. It's a net 15 but I don't mind.

I was told they all report to business CRA but then another post of mine is saying FedEx doesn't which sucks! I was hoping that I would have completed my 5 tradelines to move forward. Maybe I dont need it as apparent something reported last year I had no idea it did. Any thoughts?

Data Points:
Business is 8 years old
Business income 50k yearly
1 payment from some company on DandB for $50 in 2017 (no idea from where but I'll take it)
No PG of any of the apps.

I was worried about the fuel cards because those are tier 2 from what I was reading but I tried them anyway because of the account on DandB from 2017.

I will work with these accounts for the next 6 month's, gardening them as I garden my personal. In June I will try to go for some others like BandH, Amazon and etc Net accounts then maybe some revolvers in December of 2019. That's the plan anyway.

UPDATE:
In order of approved first. All since 12/7/18. Now I'm going into the business garden if thats a thing lol.

Quill - $100
Uline - $100
FedEx - Unknown
Fleetcor Fuelman - $1200
BP Business Solutions - $1200
UPS - Unknown
Office Depot - $1000
Staples - $1000

Hopefully using these will be enough to generate a Paydex Score. I still dont know which reports to which. I just hear they report. I guess I'll find out over time. This board is awesome. Thanks for the help!

2nd UPDATE:

Just approved Amazon Net 55 for $4500. Biggest buisness line! I thought I was denied because the verbiage was like "we cant approve you" but the guy called, verified my business name and my position and said he was "overriding something" and approved me.

Re: Business credit approvals so far NO PG

Rgudino1717 — Tue, 18 Dec 2018 21:06:34 GMT

If you use cellphones then maybe consider opening a line through your business instead. AT&T reports to DnB and Experian for me which is awesome since it's something that I 100% have to spend on anyways.

Re: Business credit approvals so far NO PG

Anonymous — Tue, 18 Dec 2018 21:19:23 GMT

Thanks! I will check them out! I really appreciate it!

Re: Business credit approvals so far NO PG

bizcredit11 — Thu, 20 Dec 2018 04:46:30 GMT

Uline is the most valuable Net 30 account because it reports to D&B and Experian.

Looks like you're ready for store credit like: Supply Works, Northern Tool, Amazon Net 55, Staples, and Lowes. All No PG options.

If you get declined using No PG options...it's so much better than running your personal credit and you've separated.

Re: Business credit approvals so far NO PG

Anonymous — Fri, 21 Dec 2018 15:42:32 GMT

So I was approved for the following

Uline - $100
Quill - $100
Fleetcor Fuelman - $1200
BP Business Solutions - $1200 (didn't realize it was the same as Fleetcor until after approved)
UPS - Unknown
FedEx - Unknown

I applied for The following and denied

Lowe's
Home Depot
Amazon Net 55
Staples
Office Depot/Max
Newegg 30

So with those denials, I will chill, build for 6 months and try again with Amazon. Imma leave Citi products alone because even though its no PG, my name is on it and they AA all my personal cards.

Re: Business credit approvals so far NO PG

ToughFistFight — Sat, 22 Dec 2018 06:33:07 GMT

I havent seen my Fleetcor fuelman card report to Experian. I have the MC version. I also have the Comdata card, neither reports.

Re: Business credit approvals so far NO PG

Anonymous — Sat, 22 Dec 2018 13:21:17 GMT

I have never seen fleetcor on my EX although they are alleged to report there for most.

I see Fleetcor on D&B and I am one of the few that sees Fleetcor on EQ, but EQ has been a crapshoot for me for years with accounts coming and going randomly.

Re: Business credit approvals so far NO PG

Anonymous — Sat, 22 Dec 2018 13:23:57 GMT

Well that sucks. I hope they report, without the ones I habe reporting it will be hard to move forward as now in not approved for anything else.

Re: Business credit approvals so far NO PG

Anonymous — Mon, 24 Dec 2018 14:38:29 GMT

so I reapplied for staples and office depot after being denied, now approved. Previously got letters. Couldnt verify phone, address and ein number which I thought was crazy. Reapplied now approved. $1000 each.

Re: Business credit approvals so far NO PG

Rgudino1717 — Tue, 25 Dec 2018 00:59:39 GMT

Congrats on staples and office depot. Which staples account and which office depot account did you apply for?

Re: Business credit approvals so far NO PG

Anonymous — Tue, 25 Dec 2018 01:10:01 GMT

Both are Net 30. I was scared to apply for revolving lol

Re: Business credit approvals so far NO PG

Rgudino1717 — Tue, 25 Dec 2018 01:25:38 GMT

Just noticed that your business is 8 years old, but mine is 2.5 years old :/ For the no PG it suggests that it should be at least 3 years old.

Re: Business credit approvals so far NO PG

Anonymous — Tue, 25 Dec 2018 01:51:29 GMT

I think it was 2 years when I seen it.

Have you tried all the others like quill and uline and gas cards?

What does your duns show?

Re: Business credit approvals so far NO PG

Rgudino1717 — Tue, 25 Dec 2018 02:06:10 GMT

It says 3 years. Applied anyways thinking my business credit might be enough. Says to call in. Pretty sure they're gonna ask for a PG, but hopefully not.

DnB shows

$5000 Valero Account - 1000 reported as owed for the month

$2500 BoA Card - 100 reported as owed

$250 AT&T - 0 owed

$100 Uline

$100 (Seton?)- 0 owed

and some old $50 cash payment

Re: Business credit approvals so far NO PG

Anonymous — Tue, 25 Dec 2018 02:11:35 GMT

Told me to call in but it was just address verification. That was for both.

Re: Business credit approvals so far NO PG

Rgudino1717 — Tue, 25 Dec 2018 02:16:48 GMT

Oh man I hope that's just it. Last time I applied I called and they said they were sending me a letter to sign so that I would PG. That was when only 2 tradelines were showing on my DnB report and only like a month or 2 of payments, so hopefully it's just some simple verification now. Have you tried Home Depot?

Re: Business credit approvals so far NO PG

Anonymous — Tue, 25 Dec 2018 02:24:19 GMT

I only have 1 line reporting one thing from 2017 lol. So I'm sure they will approve you. I wish you the best.

Re: Business credit approvals so far NO PG

Rgudino1717 — Tue, 25 Dec 2018 02:35:10 GMT

Hopefully lol. Thanks

Re: Business credit approvals so far NO PG

Anonymous — Thu, 27 Dec 2018 19:47:40 GMT

2nd Update:

I thought I was denied by Amazon Net 55. I get a call today from Synchrony and they just approved me for $4500 net 55 account. He just asked me to verify my business name and my position in the company and said "we will get you approved, just overriding somethings" then boom approved for $4500. I will add above. I didnt think I would get the gas cards or amazon because I dont have but 1 account on dnb and I dont think I have a Paydex yet and nothing on Equifax and experian business reports. I'm excited.

Re: Business credit approvals so far NO PG

Rgudino1717 — Sun, 30 Dec 2018 00:50:11 GMT

Called in to office depot and they denied my application :/ They said they needed a PG