@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.
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.
@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