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Shell, Uline, Best Buy, and Other Business Tradeline Approvals

ortiz2006
New Member

Re: Shell, Uline, Best Buy, and Other Business Tradeline Approvals

Hi @chalupaman , how old is your business? I have an LLC that is only two months old.  I have a few tradelines (Uline, Crown Office Supplies, Nav, Summa Office Supplies) but none have reported yet so I don't have a Paydex score.  I'm debating whether to apply for a Shell Gas Card or wait for a month or two.  Thanks!

Message 11 of 18
chalupaman
Super Contributor

Re: Shell, Uline, Best Buy, and Other Business Tradeline Approvals


@ortiz2006 wrote:

Hi @chalupaman , how old is your business? I have an LLC that is only two months old.  I have a few tradelines (Uline, Crown Office Supplies, Nav, Summa Office Supplies) but none have reported yet so I don't have a Paydex score.  I'm debating whether to apply for a Shell Gas Card or wait for a month or two.  Thanks!


I'd give it a month or so and try it! I made my LLC about a year and 5 months ago but have had my business longer that in name! 

Main cards: Penfed Power Cash Rewards - $10k, Capital One Platinum - $3k, NFCU cashRewards - $500

Other cards I use atm: Best Buy (Citi) - $2k, Mercury MC - $1.5k, Amex Delta Gold (AU) - $1k, Ollo MC - $600, Mission Lane Visa - $500

Other TLs: Kay Jewelers - $4.5k, Jared - $3.5k, Appliances Connection - $3k, Firestone CFNA - $1.8k (opened 2016), Williams Sonoma - $600, Home Depot (Citi) - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: EX - 662, EQ - 667, TU - 670
Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516
Total TLs: $36k
Total Utilization: 4%
It is possible to get your credit back into shape. Just be patient, let accounts age when needed and apply for what you need
Message 12 of 18
MudkipsRKooL
Regular Contributor

Re: Shell, Uline, Best Buy, and Other Business Tradeline Approvals

wow congrats man! is this considered an app spree? Also did you file as SP or LLC for shell business? I am on the 2nd page and it ask me for my SSN and such will it be a HP for these as well? Also how many of these came up as INQ on your personal or only business? I'm trying to get a paydex score but I'm gonna have to setup business savings first, (As business checking is min. deposit is too high atm 1.5K-2K) and I'm min-maxing investments currently.


Current score: 771ex | 769tu | 772eq
INQ status: 4/24, 0/12

Currrent Cards:


Future:
Message 13 of 18
chalupaman
Super Contributor

Re: Shell, Uline, Best Buy, and Other Business Tradeline Approvals


@MudkipsRKooL wrote:

wow congrats man! is this considered an app spree? Also did you file as SP or LLC for shell business? I am on the 2nd page and it ask me for my SSN and such will it be a HP for these as well? Also how many of these came up as INQ on your personal or only business? I'm trying to get a paydex score but I'm gonna have to setup business savings first, (As business checking is min. deposit is too high atm 1.5K-2K) and I'm min-maxing investments currently.


I applied as an LLC for the Shell Business. Not sure about the HP because I don't have my business CRs in front of me, but I've never seen any of these business applications show up on my personal credit reports as inquiries, so there's that. BTW, thanks! Smiley Happy 

Main cards: Penfed Power Cash Rewards - $10k, Capital One Platinum - $3k, NFCU cashRewards - $500

Other cards I use atm: Best Buy (Citi) - $2k, Mercury MC - $1.5k, Amex Delta Gold (AU) - $1k, Ollo MC - $600, Mission Lane Visa - $500

Other TLs: Kay Jewelers - $4.5k, Jared - $3.5k, Appliances Connection - $3k, Firestone CFNA - $1.8k (opened 2016), Williams Sonoma - $600, Home Depot (Citi) - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: EX - 662, EQ - 667, TU - 670
Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516
Total TLs: $36k
Total Utilization: 4%
It is possible to get your credit back into shape. Just be patient, let accounts age when needed and apply for what you need
Message 14 of 18
tmax2020
Established Member

Re: Shell, Uline, Best Buy, and Other Business Tradeline Approvals


@ortiz2006 wrote:

Hi @chalupaman , how old is your business? I have an LLC that is only two months old.  I have a few tradelines (Uline, Crown Office Supplies, Nav, Summa Office Supplies) but none have reported yet so I don't have a Paydex score.  I'm debating whether to apply for a Shell Gas Card or wait for a month or two.  Thanks!


My llc is is just 2 months old, I have quill, summa, crown, applied for bestbuy. I don't have a paydex score too but I have a score on my BOA business cheking from Duns.

Message 15 of 18
3Wealth6Builder9
Established Member

Re: Shell, Uline, Best Buy, and Other Business Tradeline Approvals

Congrats! Smiley Happy

Message 16 of 18
Credit4Growth
Valued Contributor

Re: Shell, Uline, Best Buy, and Other Business Tradeline Approvals

Congratulations on your approvals and thank you for the info provided in this thread!

Current as of April 25rd
FICO 08 EQ723, TU722, EX728 || DTI 8%
Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 3 / 1) - 0/6 - 0/12 - 4/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - May 22th 2021
Going for Sapphire spade - May 17th 2021

Dirty/ Thick/ Aged/ New Accounts
Message 17 of 18
chalupaman
Super Contributor

Re: Shell, Uline, Best Buy, and Other Business Tradeline Approvals

So Grainger finally approved me for a net 30 line of $1000 that reports to Dun and Bradstreet each month! It was just at the time, the LLC was still new and I had to wait 60-90 days. It's long been past that and this time was much different. They also told me that if your business has already been registered with the secretary of state for a while and they can find your DUNS number, you'll usually get approved pretty easily. 

 

The last TL I'm waiting on is one with Creative Analytics for $10k potentially and I'm all good. 

 

Main cards: Penfed Power Cash Rewards - $10k, Capital One Platinum - $3k, NFCU cashRewards - $500

Other cards I use atm: Best Buy (Citi) - $2k, Mercury MC - $1.5k, Amex Delta Gold (AU) - $1k, Ollo MC - $600, Mission Lane Visa - $500

Other TLs: Kay Jewelers - $4.5k, Jared - $3.5k, Appliances Connection - $3k, Firestone CFNA - $1.8k (opened 2016), Williams Sonoma - $600, Home Depot (Citi) - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: EX - 662, EQ - 667, TU - 670
Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516
Total TLs: $36k
Total Utilization: 4%
It is possible to get your credit back into shape. Just be patient, let accounts age when needed and apply for what you need
Message 18 of 18
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