I’m sorry OP. I have to say it. Your priorities are in the wrong order.
Before you can start a business opportunity, you have to take care of your outstanding obligations first, and that means paying your bills.
Understand that getting denials begat denials and no one is going to loan you any more money because your history of paying your debts is not paramount to you.
Also, 32 inquiries! This credit seeking scares lenders. They view applicants like this as desperate! Understand that lenders want to lend money to people who don’t need credit. I know, but true.
You have two predatory creditors that don’t look good on any report. I can’t even comprehend the fees that are going to accumulate on these.
Unfortunately, no lender is going to lend you money at this time and missing the Credit One payment may cause you not to get a CLI on your Cap1.
IMHO, I suggest you regroup and start your rebuilding over with a concentrated focus on paying bills on time, stop applying for credit, and taking care of any derogatories in your report.
I hope you take this in the friendly spirit it is given.
GL2U
EDIT: I just saw you can get into NFCU. Definitely join.
|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
