Is there a Business list of what is being pulled?

[Anonymous]

Wow!! I never knew that about Wells Fargo... I just got approved for CSR and Ink Unlimited from Chase ( Ink today and CSR about 45 days ago) so I think I'll need to wait a good 6 plus months but I sincerely hope I remember they do SP when you open a business account

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@AzCreditGuy wrote:

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@RealEstateGuy89 wrote:

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@AzCreditGuy wrote:

I have 8 credit inq falling off my personal report and I would like to limit the INQ that show up on personal when I app for business. 

I am looking to add 2 to 3 cards to business with a 0% APR intro and hopefully I can limit the inq as I did with my personal credit. 

Ex Fico 8 already have a SBA loan Inq.....My Tu and EQ will have zero inqs

I card I know I will be apping will be FNBO which pull Fico 9 TU (only)

Would like to spread out Inqs as I did with my personal 

Also wondering how a deferred SBA loan looks like on credit? On Duns I see that I have 3 tradelines which one is the SBA loan

Nav shows Experian as only 1 trade line (gas card)

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Maybe in your area FNBO pulls TU. For me, FNBO (Evergreen) used EX for both the personal and business cards. I'm currently trying to get a couple business credit cards for my business too. 

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I misread the post when someone stated that that FNBO pulls EX and I thought it was TU. Learned yesterday from this site that if you go into the Wells Fargo branch and open a business checking account they do a SP and offer you credit cards and a BLOC if you qauilfy with only a SP. Was not happy I wasted a INQ, since I bank with Wells and have a personal CC with them

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and offer possible CCs from that!!!

[RealEstateGuy89]

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@Anonymous wrote:

Wow!! I never knew that about Wells Fargo... I just got approved for CSR and Ink Unlimited from Chase ( Ink today and CSR about 45 days ago) so I think I'll need to wait a good 6 plus months but I sincerely hope I remember they do SP when you open a business account

---

@AzCreditGuy wrote:

---

@RealEstateGuy89 wrote:

---

@AzCreditGuy wrote:

I have 8 credit inq falling off my personal report and I would like to limit the INQ that show up on personal when I app for business. 

I am looking to add 2 to 3 cards to business with a 0% APR intro and hopefully I can limit the inq as I did with my personal credit. 

Ex Fico 8 already have a SBA loan Inq.....My Tu and EQ will have zero inqs

I card I know I will be apping will be FNBO which pull Fico 9 TU (only)

Would like to spread out Inqs as I did with my personal 

Also wondering how a deferred SBA loan looks like on credit? On Duns I see that I have 3 tradelines which one is the SBA loan

Nav shows Experian as only 1 trade line (gas card)

---

Maybe in your area FNBO pulls TU. For me, FNBO (Evergreen) used EX for both the personal and business cards. I'm currently trying to get a couple business credit cards for my business too. 

---

I misread the post when someone stated that that FNBO pulls EX and I thought it was TU. Learned yesterday from this site that if you go into the Wells Fargo branch and open a business checking account they do a SP and offer you credit cards and a BLOC if you qauilfy with only a SP. Was not happy I wasted a INQ, since I bank with Wells and have a personal CC with them

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and offer possible CCs from that!!!

@AnonymousCongratulations on both your approvals with CSR and Chase!!  Definitely a pretty good win there.  Darn, I can't think of who CSR is at the moment.

Will you please share some of your DP's from your approval with Ink Unlimited from Chase? How were your scores? Mine are only around 715-729 right now but I really need to get another business credit card. I have about 3 invitations from Chase Ink Business Unlimited on my desk right now with the invitation numbers but I have not apped for it yet as I keep thinking I should wait because I will get denied.  I have been getting the invitations from Chase about once or twice a month for the last year now, all for the Ink Business Unlimited card.

Did you receive approval right away or did you have to wait a little bit to hear/submit docs when you were approved? Thank you in advance for sharing any DP's on your experience with Chase Ink.

RealEstateGuy89

PS. If I decide not to put an app in for Chase, I thought I would probably make an appointment to open a Wells Fargo checking/savings account next week and let them see if I am eligible for the CC or BLOC. I'm sure it helps a little bit too be able to talk to the commercial lender face-to-face and let them see who you are and ask about your business etc.

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[jaxstraw]

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@RealEstateGuy89 wrote:

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@Anonymous wrote:

Wow!! I never knew that about Wells Fargo... I just got approved for CSR and Ink Unlimited from Chase ( Ink today and CSR about 45 days ago) so I think I'll need to wait a good 6 plus months but I sincerely hope I remember they do SP when you open a business account

---

@AzCreditGuy wrote:

---

@RealEstateGuy89 wrote:

---

@AzCreditGuy wrote:

I have 8 credit inq falling off my personal report and I would like to limit the INQ that show up on personal when I app for business. 

I am looking to add 2 to 3 cards to business with a 0% APR intro and hopefully I can limit the inq as I did with my personal credit. 

Ex Fico 8 already have a SBA loan Inq.....My Tu and EQ will have zero inqs

I card I know I will be apping will be FNBO which pull Fico 9 TU (only)

Would like to spread out Inqs as I did with my personal 

Also wondering how a deferred SBA loan looks like on credit? On Duns I see that I have 3 tradelines which one is the SBA loan

Nav shows Experian as only 1 trade line (gas card)

---

Maybe in your area FNBO pulls TU. For me, FNBO (Evergreen) used EX for both the personal and business cards. I'm currently trying to get a couple business credit cards for my business too. 

---

I misread the post when someone stated that that FNBO pulls EX and I thought it was TU. Learned yesterday from this site that if you go into the Wells Fargo branch and open a business checking account they do a SP and offer you credit cards and a BLOC if you qauilfy with only a SP. Was not happy I wasted a INQ, since I bank with Wells and have a personal CC with them

---

and offer possible CCs from that!!!

@AnonymousCongratulations on both your approvals with CSR and Chase!!  Definitely a pretty good win there.  Darn, I can't think of who CSR is at the moment.

Will you please share some of your DP's from your approval with Ink Unlimited from Chase? How were your scores? Mine are only around 715-729 right now but I really need to get another business credit card. I have about 3 invitations from Chase Ink Business Unlimited on my desk right now with the invitation numbers but I have not apped for it yet as I keep thinking I should wait because I will get denied.  I have been getting the invitations from Chase about once or twice a month for the last year now, all for the Ink Business Unlimited card.

Did you receive approval right away or did you have to wait a little bit to hear/submit docs when you were approved? Thank you in advance for sharing any DP's on your experience with Chase Ink.

RealEstateGuy89

PS. If I decide not to put an app in for Chase, I thought I would probably make an appointment to open a Wells Fargo checking/savings account next week and let them see if I am eligible for the CC or BLOC. I'm sure it helps a little bit too be able to talk to the commercial lender face-to-face and let them see who you are and ask about your business etc.

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Do those invitations have a fixed APR or a range ??

[Anonymous]

They ended up pulling EX 789 and EQ 799.. initially it was denied because of multiple installment loans and a late payment on child support...iwas transferred to Recon and they verified I only had 1 installment and the late payment didn't even show from when so they removed that and asked a bunch of questions (in a truck driver and they could see the deposits coming in over the last 6 months) came back and said I was approved for 10k. Also CSR is a card Chase Sapphire Reserve...

[ScorpioRising]

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@Anonymous wrote:

They ended up pulling EX 789 and EQ 799.. initially it was denied because of multiple installment loans and a late payment on child support...iwas transferred to Recon and they verified I only had 1 installment and the late payment didn't even show from when so they removed that and asked a bunch of questions (in a truck driver and they could see the deposits coming in over the last 6 months) came back and said I was approved for 10k. Also CSR is a card Chase Sapphire Reserve...

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@Anonymous
Congratulations on your Ink card approval! It's the one with the $95 AF with no FX fees, correct? I'm surprised Chase pulled EQ. They normally/usually pull EX only, along with your D&B profile. 

[Anonymous]

@ScorpioRising well I didn't have a D & B to pull so maybe that's why? It did go to recon also.. something about multiple installment lines but I only have one (grow credit) and the lady was able to verify that and then proceeded to ask a few questions before I was approved 

[ScorpioRising]

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@Anonymous wrote:

@ScorpioRising well I didn't have a D & B to pull so maybe that's why? It did go to recon also.. something about multiple installment lines but I only have one (grow credit) and the lady was able to verify that and then proceeded to ask a few questions before I was approved 

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@Anonymous,
Like they say in the South, you done did good!👍 I'm firmly in the Amex "eco-system" for now and I also want to build and nurture my USBank and Navy Fed relationships. I really like them both although I wish they would update/modernize their websites 😆 

Although I have the Chase Freedom Card, that's it for me from Chase for a while, if not permanently. I was offered the Ink Cash last year but I was considering the Ink Unlimited because it has no FX fee and then I changed my mind. 

Chase made me mad enough to close my business accounts with them. However, I kept my personal checking open since it's my oldest one and it just made sense to keep it. 

[Anonymous]

I plan on working my way into the Amex eco also.. I really like the SP system they use once you have an established relationship with them... but I just gotta cool my jets for a bit before I pull the 1st trigger with them

[ScorpioRising]

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@Anonymous wrote:

I plan on working my way into the Amex eco also.. I really like the SP system they use once you have an established relationship with them... but I just gotta cool my jets for a bit before I pull the 1st trigger with them

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When you do pull the trigger with Amex, you may want to start off with the Business Gold, that's of course if it works for you. The Amazon Prime Biz card is also good, if you shop Amazon.

I agree, the subsequent soft pulls are really nice. Best wishes!