So I've been chipping away at my Business Credit trying to get a pretty profile for a LOC when I may need it to expand.
I've been in business 18 years, but only 3 as an LLC
I have a split Equifax file (3 files total), Equifax is a mess
I have an Experian with 2 trades reporting
I have D&B with 6 trades reporting
I have two BoA cards, a Chase Ink, WEX fleet card and an NFCU CLOC totalling roughly $100K
The BoA cards are way more than I will ever spend in a month and the Chase Ink has a limit roughly equivalent to my yearly spend.
I have an Amazon Net 55 for $4K like most that get it early
I decided to try for the Amazon revolver no PG and told them I could spend $2500 a month and got the 7-10 day message.
Wanting to put my mind at ease, I decided to call the popular backdoor number listed in a Sync CLI recon (personal) thread 8773798173.
I explained to the nice rep that I was calling to see if they needed verification or if it was a denial since I got the 7-10 day message.
She asked for my social and I said it was a business account
I offered by reference number or EIN number, but she asked for my business phone number.
She could see my old Net 55 App and my new Revolver App and knew I was calling about the new App.
She asked about the Net 55 account and why I wanted the revolver.
I told her that I enjoyed that account but was hoping to get the revolver as I have some large purchases to make soon.
She said, please hold while I review your application.
She came back on line, thanked me for holding and said, "I approved you for $1000."
I may be inferring something here, but her tone of voice certainly gave me the impression of "I approved you" as in it was going to be a denial.
The $1000 is nothing, but the tradeline helps and it was no PG. I wasn't going to poke the bear and ask for more.
Within minutes, it was showing up in my Amazon Business Account.
I hope this helps someone if they get the 7-10 day message on a business app.
