LauraC and BCO thank you both for your helpful responses.
I ran a NAV report and it came back empty. So none of the major credit I had showed up. Nothing there at all, actually. I feel that the Experian report will come up empty as well, and in fact I think it did when we ran the Nav report. So I will get a few more basic trade lines open and then circle back to this $179 EQ option, which sounds like value.
It isn't just the $11K from Bank of A. I had, in fact, a Hard Money loan for a house flip that I completed in 2018, paid that as agreed, and of course that doesn't show up (I think I read somewhere that real estate credit doesn't show up anyway, maybe that is just with DUNS). I mean that was $150K. I'm sure that would look nice on a report somewhere, but... well. I don't guess I could submit that anywhere, could I?
Of course I never claimed by business with D&B until just a couple weeks ago. Not even sure that is relevant, however, if nobody would have reported anything anyway.
My Bank of A line increase is going to happen only when my financials truly support. I was a finance guy in my past life (financed large yellow iron machines that dig and push and load, etc.) and I think I have a pretty fair idea what that process might look like. Plus my credit has deteriorated in a big way since then (bottomed out last year, now well on my road back to recovery). But that aside, I think given that we all agree that my $11K bank line does involve a PG, then I'll keep it as reserve capital, but I'm not all that keen to lobby for increases in it. Maybe at some point, I'll ask but I won't make it a focal point. I'll seek to augment that with other lines that do not involve a PG.
But **bleep**, it sure would be nice to leverage the good track record that I do have, so help open up some other lines.
