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Oh **bleep**... I have a membership for my business Experian but I don't really understand how that site functions. I check Nav and d and b as well. Do you have a recommended way of easily assessing ones business Experian? I don't get why their mobile site at least is so opaque
@Thermionic_E wrote:Oh **bleep**... I have a membership for my business Experian but I don't really understand how that site functions. I check Nav and d and b as well. Do you have a recommended way of easily assessing ones business Experian? I don't get why their mobile site at least is so opaque
I have both as well. You may see more on the desktop, no sure. You can see INQ's on Biz Experian desktop version.
@Thermionic_E wrote:Okay, and so they pull your business credit like chase does for your paydex or Experian? I carried a balance on one of my business revolvers so I am not sure if I should risk it this month. And thanks!!
@Thermionic_E Im a sole proprietor, received alert personal EX was pulled as soon as app was submitted. Recently began building business credit so don't know if they also checked for business credit. At this point only using nav for free summaries.
I got $15k at 20% for the prequal. I think I will hold off a bit since I just got the personal version. This card is likely one of my next moves though.
Thanks everyone. I really appreciate the data points
@spiritcraft1 wrote:I got $15k at 20% for the prequal. I think I will hold off a bit since I just got the personal version. This card is likely one of my next moves though.
I was actually gardening this year in hopes of snagging the AmEx Business Cash in January '22. I set my reports on fire in December picking up 5 new personal accounts so needed the cool off period. This [prequal] opportunity was too good to pass and I am over the moon that it looks like an approval. Now I'm down to only the AmEx Amazon and Lowe's, may even try for a BLOC sometime late next year, then call it done for business credit. Gotta say it's been a great 2yr credit run, pandemic notwithstanding.
@ocheosa wrote:
@spiritcraft1 wrote:I got $15k at 20% for the prequal. I think I will hold off a bit since I just got the personal version. This card is likely one of my next moves though.
I was actually gardening this year in hopes of snagging the AmEx Business Cash in January '22. I set my reports on fire in December picking up 5 new personal accounts so needed the cool off period. This [prequal] opportunity was too good to pass and I am over the moon that it looks like an approval. Now I'm down to only the AmEx Amazon and Lowe's, may even try for a BLOC sometime late next year, then call it done for business credit. Gotta say it's been a great 2yr credit run, pandemic notwithstanding.
Excellent. Let us know the final outcome.
It says I have the best rates? That 5% balance transfer fee is the highest I have seen for new accounts. Might get it as the 0% APR could help me shift some of the SBA loan money that I took out and pay it down faster and also build payment history for the business. Data pts for you around 820ish credit score for all 3 on personal. 1% Uti and 6 inq on Ex (5 falling off in the next month) 2 inq on Eq ( both falling off next month) 2 inq on TU ( both falling off next month) Business side Gas card NO PG used for the past 3 years since applied for, Belhalf $10k credit line No PG that I never use and 1 SBA EIDL for $16.5k that is deferred until 06/28/21. Are they are a 3 hard pull or 1? I might go for it since I like the 0% APR
@AzCreditGuy wrote:It says I have the best rates? That 5% balance transfer fee is the highest I have seen for new accounts. Might get it as the 0% APR could help me shift some of the SBA loan money that I took out and pay it down faster and also build payment history for the business. Data pts for you around 820ish credit score for all 3 on personal. 1% Uti and 6 inq on Ex (5 falling off in the next month) 2 inq on Eq ( both falling off next month) 2 inq on TU ( both falling off next month) Business side Gas card NO PG used for the past 3 years since applied for, Belhalf $10k credit line No PG that I never use and 1 SBA EIDL for $16.5k that is deferred until 06/28/21. Are they are a 3 hard pull or 1? I might go for it since I like the 0% APR
One Hard Pull = EX Bankcard 09
@spiritcraft1 wrote:
@AzCreditGuy wrote:It says I have the best rates? That 5% balance transfer fee is the highest I have seen for new accounts. Might get it as the 0% APR could help me shift some of the SBA loan money that I took out and pay it down faster and also build payment history for the business. Data pts for you around 820ish credit score for all 3 on personal. 1% Uti and 6 inq on Ex (5 falling off in the next month) 2 inq on Eq ( both falling off next month) 2 inq on TU ( both falling off next month) Business side Gas card NO PG used for the past 3 years since applied for, Belhalf $10k credit line No PG that I never use and 1 SBA EIDL for $16.5k that is deferred until 06/28/21. Are they are a 3 hard pull or 1? I might go for it since I like the 0% APR
One Hard Pull = EX Bankcard 09
@spiritcraft1 So they dont pull Fico 8??? I might go for it for now if thats what they do, as I will have 1 inq from the SBA for a 2020 pull on Fico 8 EX