Building business credit can be easy

[firecapt13]

i applied for Staples a while ago got it. Applied for Shell and Office max online and got turned down online with a report code and ref number. When I called 800 3 was told it had already been approved and should recieve soon.

[StBalor]

When you guys registered with ccr, did you have to enter alot of info.
Such as:
General info?
corporate info?
goods and services?
Financial?
Points of contact?
irs consent?


No one wants to answer this question? Did anyone register with the ccr.gov website?

[get rich]

It was a while ago that i filled out my info on the ccr website, but you just fill out the info that is relavent to the business you do. It is my understanding that info is for venders and goverment people to view when looking into your request for either credit or submitting a proposal for a goverment contract. Leaving some questions un-answered will not affect much, unless you leave alot of lines blank alot of creditors will ask you for more info. If you don't know....just leave it blank. I think i only filled out the simple info, and it didn't affect me. hope this helps ya, good luck.

[Mow It All llc]

Someone said they have Lesco Credit......How did you get that, cause they want a personal guarentee form cause i dont make over a million a year......Thats what the app says. I got turned down by a few places, SHELL for one said they need a guarentee......am I doing something wrong cause almost everyone wants my ss number and personal guarentee....I hope you can tell me what im doing wrong. Thanks

[AAXteriors]

I just got off the phone with DNB and i got my duns # but the lady said i had to wait 24 to 48hr before registering with the ccr. now what does that mean? can i just go and apply with that number at staples or do i have to do something more?


Josh

[AllGreen Landscaping]

i'm new to the buisness and i have been reading the forum for some time...had to join the site...waiting on my dun #...have ein # already...any sites for the ein only?...thanks

[willretire@40]

You do not need a dnb # for staples or office depot. Do not apply for shell or sunoco until you have 2 reporting on your reports.

[grassmanak]

okay, so i cannot access my d&b account anymore, what is going on, did they delete it or something, those a holes, i have only gone their one time, it was on sunday evening, then i tried to check next week and cannot

[Gatewayuser]

Someone said they have Lesco Credit......How did you get that, cause they want a personal guarentee form cause i dont make over a million a year......Thats what the app says. I got turned down by a few places, SHELL for one said they need a guarentee......am I doing something wrong cause almost everyone wants my ss number and personal guarentee....I hope you can tell me what im doing wrong. Thanks

I didn't have a PG on mine but I have been a customer of theirs for 3 yrs. I don't make a mill but I do bring in 6 figures.

[Team-Green L&L]

No one wants to answer this question? Did anyone register with the ccr.gov website?

I registered on that site and there wasn't a whole lot of info provided. I think they wanted our FEIN # and organizational structure, but nothing special from what I recall.

[dlenz32]

applied for my duns number online. didnt hear anything for a few days so i called up and got my number. Got approvals from staples and office depot for business credit. Then the next day, I got ANOTHER duns number via email from my original request I submitted online......so now I have 2. Is this bad? Can/Should I get rid of one?

What should my next step be as far as building credit?
I am purchasing some advertising/marketing stuff from staples & office depot to get the credit reporting started.

thanks fellas....

[Proscapez LLC]

Duns, has not update my payments in the last 2 months. WTF?

[AllGreen Landscaping]

Called and got my duns # today...the e-mail was slow so i called and she gave me my # fast...deleted the email app and gave me a number over the phone....Now what?...i applied for staples and office depot... no word yet. might have to call them...i did fax them info of buisness...thanks

[ccash]

if you faxed the info you got them for sure.

[AllGreen Landscaping]

yeah..just got off the phone...they said they were still going through the process....i hope so...lol...duns was easy to get..:)

[ccash]

it is but be prepared for them to call and try to swindle you into buying their crap. But take will's advice and dont answer the phone because they will lie to you.

[AllGreen Landscaping]

yeah...i new there was a catch...nothing is to easy...lol

[mac28]

when i check my file this is what comes up any ideas (THE "DS" INDICATOR ASSIGNED TO THIS BUSINESS MEANS THAT THE LIMITED INFORMATION
CURRENTLY IN THE D&B FILE DOES NOT ALLOW US TO CLASSIFY IT WITHIN OUR RATING
SYSTEM.

WE ARE PROVIDING THIS INFORMATION TO YOU IN THE INTEREST OF SPEED WITHOUT
HAVING COMPLETED AN INVESTIGATION. THEREFORE, THIS REPORT MAY NOT REFLECT THE
CURRENT STATUS OF THIS BUSINESS. D&B CAN INVESTIGATE THIS BUSINESS AND UPDATE
THIS INFORMATION BASED ON THE RESULTS OF THAT INVESTIGATION.

BY ORDERING A STANDARD INVESTIGATION THE SAME DAY YOU ORDER THIS REPORT, AN
UPDATED REPORT WILL BE PROVIDED TO YOU AT NO EXTRA COST.)

[ccash]

yeah they are all about selling some bs arent they?

[AllGreen Landscaping]

$$$$$$$$$$$$$$$$$$$$$$$$$$$...they need more money...lol...but who don't..lol

[AllGreen Landscaping]

how long does it take for the cards?....staples and office depot?...and when should i go to phase 2 of our master plan?...muhamuhamuhamuha...lol

[willretire@40]

when i check my file this is what comes up any ideas (THE "DS" INDICATOR ASSIGNED TO THIS BUSINESS MEANS THAT THE LIMITED INFORMATION
CURRENTLY IN THE D&B FILE DOES NOT ALLOW US TO CLASSIFY IT WITHIN OUR RATING
SYSTEM.

WE ARE PROVIDING THIS INFORMATION TO YOU IN THE INTEREST OF SPEED WITHOUT
HAVING COMPLETED AN INVESTIGATION. THEREFORE, THIS REPORT MAY NOT REFLECT THE
CURRENT STATUS OF THIS BUSINESS. D&B CAN INVESTIGATE THIS BUSINESS AND UPDATE
THIS INFORMATION BASED ON THE RESULTS OF THAT INVESTIGATION.

BY ORDERING A STANDARD INVESTIGATION THE SAME DAY YOU ORDER THIS REPORT, AN
UPDATED REPORT WILL BE PROVIDED TO YOU AT NO EXTRA COST.)

It just means that nothing has reported yet. Hopefully this sunday something will report for you.

[mac28]

Thanx Will

[AllGreen Landscaping]

what a process to register....man was that long..lol

[AllGreen Landscaping]

hey whats the deal w/dnb?...why can't i log in?.....hmmm....maybe it's not posted yet?

[Proscapez LLC]

hey whats the deal w/dnb?...why can't i log in?.....hmmm....maybe it's not posted yet?

I cant get in either!

[AllGreen Landscaping]

ok this is the deal....i got my number, went to ccr and registered.. when i got to dnb to look up company there is nothing there...whats going on?

[AllGreen Landscaping]

called dnb and the lady said i have an active number,,but when i go to the site and do a search i am not there...why?

[AllGreen Landscaping]

ok...staples $750.00....office depot $250.00...way cool

[AllGreen Landscaping]

yup...another post...lol...some one said they got a lowes card?...need 3 years in buisness ...is that true or can i apply and tell them i have been in that long?

[dlenz32]

anyone get 2 DUNS #'s by mistake? I did the internet app.....didnt hear for a few days so I called to follow up. I got my number over the phone and have since been approved by staples and office depot.

However, a few days later I got an email with another DUNS # (whicH I assume came from my original request). Is this a bad thing? I know some on here followed a similar pattern to me and were under the assumption that only 1 number was assigned to their business.

Anyone encounter anything like this?

Willretire, shed some light brotha.......

[AllGreen Landscaping]

nope...i did the same thing...they told me to disregard the one that is NOT Reg through ccr.gov

[Garden Gate]

Dont answer the phone when DNB calls they are the DEVIL.

i wish i read this earlier...i paid the 250 thing for six more references and they told me DNB does not work with home depot or lowes....anyone with such experience ......and by the way how do i get the credit from lesco........am all confused ..............:dizzy: :dizzy: :sleeping:

[cpel2004]

Garden Gate you need to read the start of the thread, everthing is pretty much laid out for you.

[AllGreen Landscaping]

any trailer places yet?...anyone find credit for one yet?...and lesco....can't apply online?

[Garden Gate]

Garden Gate you need to read the start of the thread, everthing is pretty much laid out for you.

thanks cpel2004...i have been keeping up with the thread and i have credit with staples office depot and valero ......i think they just want money either way ...........i vow to keep away ........anyone found any trailer places that offer credit..........thanks again

[katanna]

I got a $1,200 Lesco credit card today without PG.
So now I have:
1,200 lesco
750 staples
250 office depot
Unlimited net 30 Kinkos/FedEx
what does unlimited net 30 mean

[JustinPowell22]

Hey so I got my Dunns # and my EIN # today... I went to apply for the staples business card and it declined me. I called the number and it said they will send something in the mail stated why I got declined. She also stated that I must wait 90 days to reapply. arrrr I dont understand how some people have the easiest time and for me its like such a hassle. What should I do now? any help would be great. Thanks

[Gatewayuser]

what does unlimited net 30 mean

No credit limit and I must pay the full balance every month.

[AllGreen Landscaping]

did you put your ss# in?...might of come up different if you have bad credit..don't use ss# on anything

[katanna]

No credit limit and I must pay the full balance every month.
thx for the info

[Garden Gate]

what does unlimited net 30 mean

hey katanna ...how did you get lesco...online or in store.......

[lawnman_scott]

thanks cpel2004...i have been keeping up with the thread and i have credit with staples office depot and valero ......i think they just want money either way ...........i vow to keep away ........anyone found any trailer places that offer credit..........thanks againMost of the bigger trailer places work with sheffeild among others.

[Gatewayuser]

hey katanna ...how did you get lesco...online or in store.......

You have to apply in the store.

[AAXteriors]

You have to apply in the store.

Hey, anyone able to get a ZTR or other mowers on business credit yet?

[Mow It All llc]

I see a few posts about people checking there credit info......Where are you guys going to check??

[AllGreen Landscaping]

www.dnb.com go to update profile...then log in....

[dlenz32]

i've come across this a few times at local material shops and others......

How come on a "business credit app" they ask for a personal guarantee?
They ask all your biz info and then on the back, I'm asked to provide my personal info (ss# included) and to sign to personally guarantee the credit account.

I feel like this defeats the purpose of separating your personal stuff and your biz stuff.

Anyone have some knowledge to drop on this one?

[grassmanak]

Hey, anyone able to get a ZTR or other mowers on business credit yet?



i got a new walk behind from lesco with my credit, although its a high intrest credit card more or less. I plan on paying it off within the 30days

[amtrucker22]

i've come across this a few times at local material shops and others......

How come on a "business credit app" they ask for a personal guarantee?
They ask all your biz info and then on the back, I'm asked to provide my personal info (ss# included) and to sign to personally guarantee the credit account.

I feel like this defeats the purpose of separating your personal stuff and your biz stuff.

Anyone have some knowledge to drop on this one?

One of the benefits is that it does not show up on your personal credit. That way you do not look like you have more personal debt.

There are other benefits but this is just one of them.

[grassmanak]

they want your personal info because if your business doesnt pay the bill, they want to come after you, if your business crumbles, do you want to be liable for everything, heck no

[McKeeLand]

here are our stats so far
$750 staples
$2000 office depot
$2000 Home depot( thats just what i asked for too)
all no guarantee

[lawnman_scott]

I see a few posts about people checking there credit info......Where are you guys going to check??Go to www.smartbusinessreports.com that is experians website, its not expensive and you can see your credit report and your credit score just like you can do with your personal credit at places like equifax. Has anyone checked theirs there? I am happy to say mine is in the upper part and climbing every week.

[WestMich]

McKeeLand -How long did you wait to apply for home depot? had you made any purchases and payments on staples and office depot first?

[dlenz32]

i understand the companies want you to sign the personal guarantee incase your biz sh*ts the bed. But how does that over-ride the power of establishing an LLC or some other type of corp in which your biz and personal assets are "supposed" to be completely seperate entities?

amtrucker---are you saying that if you sign a personal guarantee on a credit app (including supplying your ssn #), they don't check your personal credit?

[McKeeLand]

i applied for the staples and office max about a month or so ago. i have only made a purchase on the staples and have not received the invoice for it yet. i applied for home depot this week, figured it doesnt show up on my credit report so what the heck. they asked for how much credit i wanted, i figured on a $2000 to start. i wonder what they would have given me? i have had a duns # for a long time, just nothing reporting to it.

[McKeeLand]

i understand the companies want you to sign the personal guarantee incase your biz sh*ts the bed. But how does that over-ride the power of establishing an LLC or some other type of corp in which your biz and personal assets are "supposed" to be completely seperate entities?

amtrucker---are you saying that if you sign a personal guarantee on a credit app (including supplying your ssn #), they don't check your personal credit?

they check your personal credit, so the inquire shows up, but it is just not reported there like a consumer credit account. so when you go to get a home loan they don't see all of you business debt and deny you the loan.

[cpel2004]

All right boys, just got the Home Depot revolving credit card. Next step is their MC and a gas card. I have also been approved with Sears and Firestone business fleet services. They are net 7 and 15 days. Does anyone know the requirements(credit history & length of hstory) for Wal-Mart, Compusa, Target, and Dell?

[grassmanak]

i currently have 2 reports now. Should i go after a shell card now. I should have another 2-3 reports within a few weeks also.

[AllGreen Landscaping]

wheres will?...is he ok...lol...thanks for the info will...i got my staples and office depot....how long does it take for them to report?

[Ecoscape01]

I tried to apply for the DUNS number online again today for the second time. The first time I did it, one of the D&B guys called me a few days later. The guy who started this thread said don't answer the phone when they call but apparently you need to in order to get the account set up. I guess this time when they call, I will answer. I don't have much of a nest egg in my account for emergency expenses and it would be nice to have the security of knowing that if the funds in my business checking are low and I need a certain tool or materials before starting a job, that I can just run to Home Depot and pick up whatever. A gas card and Staples would be nice too. Anyone got any suggestions. Am I doin something wrong?

[AllGreen Landscaping]

HEY...JUST CALL THEM AND TELL THEM YOU WANT A NUMBER FOR GOVERMENT CONTRACTS...sorry caps lock....they will give you one on the spot....then go to ccr and register the number

[Ecoscape01]

I've clicked the "free - get your duns number in 30 days option". So obviously I need to call them in order to get it immediately. I'll do it tom

[cpel2004]

Just was approved for a Shell Card today, two months ago i was denied. I have over six companies reporting to Experian as of today.

[AllGreen Landscaping]

how do you check experian

[grassmanak]

read through this thread it tells you exactly what you need to do and when to do it, and also how to check your report.

[lawnman_scott]

how do you check experianGo to smartbusinessreports.com. You have to pay for it but it is pretty cheap. Its in the thread somewhere before this but the thread is a mile long.

[Ecoscape01]

Well I called Duns tonight and the woman told me I had to pay 199 in order to get the number or if I was doing it for "government contracts" the government agency would have to pay so I guess I'm SOL

[AllGreen Landscaping]

not true...keep calling...got mine no problem

[AllGreen Landscaping]

i read ALL the threads,,,says nothing about Experian...all about duns...just thought you might want to know that grassmanak...if you find it let me know...thanks

[Teo's Landscaping LLC]

Im a LLC can i still apply for a DUNS number or is it just for sole prop.??

[grassmanak]

yes you can get one as an llc, you actually qualify for more things being an LLC than a sole prop also.

[Teo's Landscaping LLC]

grassmanak

thanks for the information when you fill up the applictions for example for Staples is there a box provided to put the Duns # or do you use the EIN box?still confuse about that

[grassmanak]

i cant remember its one or the other though, they both use the same numbers though, get your duns though and apply for staples and buy something asap, once you have a couple things reporting you should be able to get whatever, i have

Staples-750
Office Depot-1000
Lesco-3000

[Teo's Landscaping LLC]

Alright thanks appreciate all the help

[Proscapez LLC]

I havent had anyone report to D&B in months, on my payments.

[lawnman_scott]

i read ALL the threads,,,says nothing about Experian...all about duns...just thought you might want to know that grassmanak...if you find it let me know...thanksexperian is smartbusinessreports.com.

[LearnTheBizz]

For the Staples credit card do you put your DUNS number or your EIN?

[willretire@40]

Your EIN only

[AllGreen Landscaping]

i have both staples and office depot none has posted yet...how long does that take...paid them awhile ago

[cpel2004]

Which creditors report to D&B that you guys know of?

[LearnTheBizz]

For the Staples credit card do you put your DUNS number or your EIN?

Thanks for the quick response willretire.

[TURFEE]

Hi All,
This is my first post.I am a newbie here.I will post my intro in the appropiate thread.I just wanted to add my two cents here.I read this entire thread last night.Good job Will...
I am also a memeber of a awesome thread called Creditboards.com..
For those of you that are new to business credit you might want to pay that site a visit.When you get there go to the Business Credit Thread..They also have a Thread for personal Credit Building.They list tons of revolving and net 30 accounts you can use to build your credit.
Will has guided you guys step by step..Follow his lead!!!
Here are some tips for building biz credit.
1.Do not put your ssn on biz apps.
2.Do not call duns & brad they will lie and try to sell you creditbuilder
3.get your D&B FROM THE GOVERNMENT SITE CCR posted earlier in the thread
4.Build biz credit as a some form of corporation or LLC
Not a Sole Prop..Always seek legal advice if you do not understand this business stuff.

I look forward to learning from you guys,I am glad I FOUND THIS AWESOME SITE.
Turfee.

[cpel2004]

WillRetire, ok I have at least 10 accounts now. I 've been doing this since the start of the thread. When is the best time to apply for the HD MC?

[TURFEE]

Important..
When building biz credit you want to ensure your biz is listed in the national 411 directory-verizon-creditors check this.
I will post the 1-800 number for this...

[cpel2004]

Will just wanted to say thanks again partner, just got approved for the HD MC today. I was turned down less than a month ago. If you're ever in S. FL let me know, and I'll buy you a drink. Thanks again partner.

I'm finished for now, next step is Ford. I'll let you guys know the out come, but it wont be for some time.

[Garden Gate]

Will just wanted to say thanks again partner, just got approved for the HD MC today. I was turned down less than a month ago. If you're ever in S. FL let me know, and I'll buy you a drink. Thanks again partner.

I'm finished for now, next step is Ford. I'll let you guys know the out come, but it wont be for some time.

hey thanks for the info....cpel......
question...i have a couple of trade lines but cant get them to report ......do i call dnb or what ......i know they will try and sell me something...so help me out............i have had quite some success following this thread ...keep posting guys


jack
GARDEN GATE LANDSCAPE MANAGEMENT




HD...2K..SHELL 1 K....VALERO 800....OFFICE DEPOT 250......STAPLES 2000.......I CANT GET LESCO OR LOWES OR SHEFFIELD....ANYONE KNOW .....WASSUP:dizzy:

[lawnman_scott]

hey thanks for the info....cpel......
question...i have a couple of trade lines but cant get them to report ......do i call dnb or what ......i know they will try and sell me something...so help me out............i have had quite some success following this thread ...keep posting guys


jack
GARDEN GATE LANDSCAPE MANAGEMENT




HD...2K..SHELL 1 K....VALERO 800....OFFICE DEPOT 250......STAPLES 2000.......I CANT GET LESCO OR LOWES OR SHEFFIELD....ANYONE KNOW .....WASSUP:dizzy:Once you have the duns # forget they exist. Go to
www.smartbusinessreports.com

That is the experian website. They are the equifax of business. Its not free, but worth it. I pay 12.95 (I think) a month. You will see all of your credit lines, charts, predictions of your credit, and your score. At least try it for a month.

I saw this thread within days of it starting and have read every post. Think of the time you waste on the net. Just spend a day and read it start to finish. I had a duns # for a contract I have. So I started the way the trhead says to. I got off depot and staples. I then got sams and lowes. Shell called and had a pre-aproved card for me. Have pitney bowes and HD MC.

I will be honest. I thought Willretireat40 was full of crap. I thought it would take years to get the credit he said you could get, but he is right on about EVERYTHING. One thing I do, is use the cards every month. Use them and pay them NEVER LATE.

My duns hasnt updated since dec. You just nneed the #, then forget about them. They just try to sell you what you can get for FREE by reading this thread and doing what your told to do. Want a short cut? Click the first page of the thread, click on willretire's name, click on "veiw all post by him", then read all the posts he has made on this thread. It will be time well spent.

pm me if I can help.

[AllGreen Landscaping]

how do you get them to report to creditors....i have bought and paid for alot of things....whats the deal?

[willretire@40]

Sometimes it takes a while. Normally Office depot and staples report within a couple weeks.

[fmscuba]

Being fairly new, I tend to read and learn more than write, however on this matter I need to comment, to those skeptics (as I was also). Follow the process willretire has outlined. I called the # he posted (already had a duns number, not sure how) 5 min with rep on phone had my number (no sales attempts). In the last 24 Hours have received number and a line with staples and office depot. No personal info required. Thanks for the pointers.

[DirtyWorks]

hey guys :waving: try this www.creditboards.com for more indepth info and please report back any and all info that you use and know to be correct as we trust and know each other better. thanks found good stuff here for personal credit as well:dancing:

[DirtyWorks]

Will,*trucewhiteflag* my post wasnt ment to stop you from helping us just to let everybody read sumpthin while we wait for results. sumpthin to look forward to.hope it was taken as intended.

[AllGreen Landscaping]

thanks will...so far i have got evrything you said...only downfall so far is i'm sole p....changing that soon

[lawnman_scott]

The information willretire does work if you follow it. Thanks will!!!
Heres my latest.

[cpel2004]

Nice truck wow you went big time on us. First question did you have to use a PG? Congrats It's a boy!

[lawnman_scott]

Nice truck wow you went big time on us. First question did you have to use a PG? Congrats It's a boy!I did have to sign a personal gaurantee, but it was just my signature, no ss# in the whole process. Its a 3/4 ton deisel, my first deisel and it has a ton of power. Funny, its an 08, I guess they will soon be out a year early, its only may and the next year is out.

[grassmanak]

okay so lets here, how long has your report been open, are you LLC or Sole Prop. Did they ask for financial figures on paper?? How many reports to do you have on DNB

[lawnman_scott]

okay so lets here, how long has your report been open, are you LLC or Sole Prop. Did they ask for financial figures on paper?? How many reports to do you have on DNBReport has been open as long as this thread has, Im a sole prop. They asked for gross income. I dont know how many dnb reports I have. I ignore dnb, and check my credit through experian.

[grassmanak]

okay, sounds pretty good so far, what are your figures, if you dont mind me asking. What does it cost you to check stuff through experian??

[lawnman_scott]

okay, sounds pretty good so far, what are your figures, if you dont mind me asking. What does it cost you to check stuff through experian??experian costs about $12 a month. You get to see your tradelines and score. its smartbusinessreports.com

Onec you get the smaler cards, you can get m/c or visas with higher limits. That is the key (as far as I have been told). I did get the best rate available on my truck, which was actually the difference between getting it or not.

[grassmanak]

experian costs about $12 a month. You get to see your tradelines and score. its smartbusinessreports.com

Onec you get the smaler cards, you can get m/c or visas with higher limits. That is the key (as far as I have been told). I did get the best rate available on my truck, which was actually the difference between getting it or not.

okay, i have lesco, office depot and staples as of now, i think i have at least 3 reports now, should have 5-7 here shortly.Does experian give you a score, or how does that work?? Are you a big company, full time or part time?? Did they ask for figures on paper./

[grassmanak]

also, i cant find my business name on smartbusinessreports website, do i have to sign up and add it myself or what do i do.

[grassmanak]

i was also going to tell you guys,. these net 30's are easy to obtain, just go on the website and find something to order and when the payment info comes up set it up for net 30 and youll be asked for a D&B number

[willretire@40]

You may not have an EX account yet. Staples or OD should make you a EX file when they start reporting.

[grassmanak]

i have both staples and OD reporting now though, staples has reported twice acutally, i just used like 3-4 different net 30's yesterday also.

[fiveoboy01]

OK so I have read most of this, guess I gotta go read it again lol.

I filled out the Staples online application, had to call them and I got approved for $750, net 30 account. No SS# given.

But they never asked for my DUNS number... I did put my taxpayer ID number in the box on the online app, do you use the duns number instead of that? I guess I'm confused as to why I need the number if they didn't ask for it.

[fiveoboy01]

How does a person know whether or not they are supplying a personal guarantee with their app?

[bullethead]

How does a person know whether or not they are supplying a personal guarantee with their app?

unfortunately you have to read the fine print. they usually make it so small you need a magnifying glass, right above or below where they ask you to sign seems to be a popular spot

[lawnman_scott]

How does a person know whether or not they are supplying a personal guarantee with their app?They will ask you to fill out a personal gaurantee. You would know if they did ask.

[fiveoboy01]

Ok thanks.

So if I'm supplying my EIN instad of my SS #, this means that this is completely seperate from my personal credit, correct? And if I'm using my company's EIN why do I need a DUNS number?

[grassmanak]

yes long as you dont put your SSN you are safe. The duns number is for your credit as a business. Your EIN is for tax purposes but is needed for D&B

[grassmanak]

Ok so lets here what everyone has received. Also has anyone noticed the its hard to obtain credit being a sole prop versus incorperated. How do they know whether your are INC or a sole. Ive kinda wondered about that.

[spazfam]

So far have been approved for Staples-750 office depot-1000 Dell-5000 and just in the last 2 days Home depot-2500 Sunoco Fleet-1000 no PG or SS

[grassmanak]

here is mine since i asked the question
staples-750
office depot-250
lesco-1000
home depot-1000
lots of net 30's as well.

[AllGreen Landscaping]

now....what did anyone get being...sole p...?

[grassmanak]

i am a sole prop

[lawnman_scott]

now....what did anyone get being...sole p...?I am a sole prop.

[dschmaus]

Went to ccr.gov three nights ago and applied. Got my confirmation and went to fill the rest out.. Holly Crap you can tell the government made that form.. PAINFULL.. Anyway. Got that filled out and approved.. Did a search tonight and my info is on CCR.gov and dnb.com.

Went to staples.com and filled out a net30 business account.. Got the error code so I called customer service.. I am on hold as I am type ... Hold please. . . . .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . .

"Mr. Schmaus we were able to approve you for a credit line of $750.00"

Sweet Daddy...

Updates to come...

[thelawnboss]

how did you go about getting dell? what kind of history do they seem to want? also it has been three months, and there is still not a file for smartbusineesreports........but one of my accounts with DNB has seemed to disappear????

[T & M Lawn]

If you have a federal tax id number is that the same as a Dunn and Brad? Can you get business credit with just a tax id#?

[lawnman_scott]

If you have a federal tax id number is that the same as a Dunn and Brad? Can you get business credit with just a tax id#?No a tax id is for tax purposes, a d&b number is for business credit.

[AllGreen Landscaping]

dnb is a joke....3 mounths and still no report

[willretire@40]

Home Depot 15k
Home Depot MC 15k
sunoco 750
shell 750
conoco 5000
sams discover 6k
walmart 5k
northern 7500
key bank 10k
key equipment finance 40k
ford 15k
and a heck of alot more.

[clallen03]

I went to Lesco today to apply for commercial charge card. One of the reps took my app and started processing my info in the database. I guess when he was finished it prompted him to call the customer service dept.
While talking to the customer service rep he asked me to fill out my personal info to get a higher credit limit. When I told him I didn't want to do that he told the rep to go on with out it.
The other rep was there and he overheard what was going on and started mouthing off saying that no credit card company will every extend credit to a sole prop. without personal info and I must to fill it out. Again I declined. He then took the phone from the other rep and started talking to the rep about my application trying to spread his ignorance to the customer service rep. She must have explained to him the difference between business and personal credit because he had this stupid look on his face. He quickly realized he didn't know what he was talking about an gave the phone back to the other rep to finish the process.
Afterward the rep that started the process told me I was approved for $750 and I'll receive my card in the mail in about 2 weeks.
I have never had good experiences at Lesco. I just went in today to see if i would be able to get business credit. I know if I do us there product I'll just order online, I wont go in that store anymore.

[cpel2004]

Ok WillRetire tell us more about the Key Bank and Ford. What types of an accounts do I apply for Key Bank? I looked on their web site and for business cards and loans they ask for a Pg. Which account types do I apply for? Do I feel out the Commercial Lease and take it to my Dealer? Thanks again.

I'll let you guys know about the GE equipment financing for mowers as soon as I here from my Dealer.

[willretire@40]

For key you have to have a strong Experian business file. That is they only one that they check. For the credit card you file out the app and cross out the PG section. Fax it in but do not call to ask for an update. You will recieve something it the mail. May be a card or denial letter. Remember you have to have a strong file meaning at least 6 reporting and a score of 70 or above.

To do the equipment finance you have to have a strong EX file also. There they dont even have a PG section on the app. Fill it out and fax it in. You should hear something in about 2 hours. If not then just call in.

[grassmanak]

i have a quick question, lesco reported this month that i was late 30days, which it was not though, i even called them when i had a late fee on my bill and they said oh sorry our mistake, but now its on my DNB file, what do i do to get it off of there?

[willretire@40]

You will have to call DNB and dispute it. They should take it off but they will most likely erase the whole trade line.

[rogers lawn care]

got my staples and office depot card today but for some reason lowes and homedepot turned me down.

[grassmanak]

i now have

staples-750
office depot-250
lesco-2500
home depot-1000
amazon-2000
wearguard
uline
reliable
fed ex/kinkos

still not able to get Lowes though

[AllGreen Landscaping]

amazon...asked for SS#...no way around it on website.....any ideas?

[fiveoboy01]

I applied for amazon too. They want to see some history. I called and she said they sent me a PG form via email. To which I replied I won't be giving a PG.

[AllGreen Landscaping]

fiveoboy....you got any gas cards yet?....i'm sole p....none yet

[fiveoboy01]

No the only card I have at the moment is the Staples Business card.

I've applied for the Office Max one too.

[AllGreen Landscaping]

i have office depot and staples....tried for gas cards....nope...both of my cards are reporting now...any credit cards without ss#?

[grassmanak]

i am a sole prop also guys, but am in the process of becoming an LLC so just put i was an LLC, maybe try it and see how it goes, cant hurt if you get what im saying, i am still unable to get gas cards as well.

[fiveoboy01]

I have no idea if mine is reporting yet. I haven't used it yet though... Plan to get some envelopes and printer ink tomorrow with it.

I really have no idea how to check on the DNB website, I registered there but I don't know how to check my own status.

[lawnman_scott]

I have no idea if mine is reporting yet. I haven't used it yet though... Plan to get some envelopes and printer ink tomorrow with it.

I really have no idea how to check on the DNB website, I registered there but I don't know how to check my own status.Now that you have your duns number forget they exist and go to www.smartbusinessreports.com

that is experians website. You can check your tradelines, history, and credit score for about $14 a month. Go slow and follow the advise given since the threads began and you will see how easy it is.

[AllGreen Landscaping]

www.dnb.com. then go to Update Your D&B Report ....then just check history...you don't have to update your report....only do this once a week though...they might lock you out of it

[fiveoboy01]

Well I signed up for an eupdate password, and haven't heard from them.. That was a couple weeks ago.

Screw it, I'm going to sign up with experian's website.

[AllGreen Landscaping]

did you ever register with ccr? www.ccr.gov just go into update my credit file....you should have a password...hmmmmm

[rob7233]

Just found this thread and got the dun's yesterday. The lady said I might need to wait till Tuesday after the holiday to register with CCR. Guess after that appears I'll be going over to staples.

Can anyone tell me what Staples needs to have verified if requested to call the 1-800 # ? Some said they had to fax..but what? FYI: I'm an FL LLC dba

[fiveoboy01]

Staples didn't really do much when I called them, verified my name, asked if I had ever done business in some city in Oklahoma, and that was it.

Office depot, I waited 3 days to call them because I hadn't had the time, and she told me that they had already accepted my application and my cards were on the way.

[rogers lawn care]

every time i call to get the duns #they want me to pay for it,how do you get around that?

[lawnman_scott]

every time i call to get the duns #they want me to pay for it,how do you get around that?The duns # is free. They want you to pay for extras. I am not sure but I think what your paying for is for them to report other creditors on your report. But its not needed, all of the companies that are given here report, and they are alll easy to get evan without any credit history. I beleive duns people used to be used car salesmen the way they fast speak and double talk. They used to call me a few times a week and I asked what I got if I paid for it, and never really got a solid awnser, just kind of figured it out on my own.

Does everyone else check their experian score on sunday morning? It updates at 10:00. I look at it every week.

[fiveoboy01]

Does everyone else check their experian score on sunday morning? It updates at 10:00. I look at it every week.


Haven't a clue how to do that...:confused:

[grassmanak]

i faxed in my walmart app a couple weeks ago and low an behold a card with a 1000.00 credit line showed up in the mail today. Im going to get sams club and maybe a couple more net 30's then start building before i hit ford this fall.

[Tony Clifton]

Smartbusinessreports.com?
I subscribed to this, payed up front for the whole year. My question is, does that report look identical to a dnb report? (meaning do the same companies report the same things?)
What is considered a good score on their report?

[cpel2004]

No Tony, infact its similar to a personal credit report. Some companies may or may not report to both. In the right corner you should see a green report or percentage, that gives you an indication on how you will pay your future credit.

[lawnman_scott]

Smartbusinessreports.com?
I subscribed to this, payed up front for the whole year. My question is, does that report look identical to a dnb report? (meaning do the same companies report the same things?)
What is considered a good score on their report?Anything above 80 is very good.

[Tony Clifton]

Okay, I am golden then. Is that the same thing creditors see?

[scttmn2001]

Do you have to register with the ccr

[grassmanak]

my understanding is anything between 75-80 is good enough for ford. You can get 80+ by making instant payments and stuff though also. several of the credit card companies require a paydex of 65+.

[CharlotteOutdoorImpact]

In the previous pages someone was looking for a trailer... I do believe Northern has them....Just a thought

Of course you would need a bussiness acct. there also.

Great Info everyone!!

Thanks Willretireat40!!

Chad

[canopy2k]

Just thought I'd chime in..

Got approved for $750 at Staples and $250 at Office Depot today. Didnt give them ANY personal information.

Kinda makes you wonder why scammers havent figured this out yet...

c2k

[Tony Clifton]

Whats the deal with Northern Tool?
I just submitted an application and was denied. I have an experian score of 93, a Lowes Card, Staples Card, and Office depot. All have been paid, and currently the balances are probably less than a third of the credit limit.

[cpel2004]

It may take some more time, I dont know the age of your accounts. I would call them and they will tell you the reason. I hope that helps

[grassmanak]

i think northern tool is tied into the same company that lowes uses. I think it may be GE, they dont like to see multiple accounts opened up in short periods of time. WHat is your DNB file like, they may have not pulled exp

[Tony Clifton]

I have no idea what my DNB file looks like, I dont know how to check it without paying money.
I have had my Lowes account since 2/07.

[grassmanak]

most likely you cant get the northern tool because of the lowes card being that new. Read this thread from the start and it tells you about other cards you can get and about viewing your DNB account

[Tony Clifton]

Maybe I should have waited longer before applying for Northern.

I have read the thread, but still can not figure out how to check my score on the DNB website. I just assumed they changed the site, and that you have to pay now? Is this not true. Could someone give more detailed instructions?

[grassmanak]

you need to sign up for eupdate on their website, its basically so you can update your info, but it allows you to check you stuff on there as well.

[firecapt13]

Have recieved Shell, Staples and Office Depot. Can not figure out how to update DUNS file. I found a yellow tab that says Update, click on it and it takes me to a screen to put in name and phone number for authorization. When I do this and click on authorize it gives me 800# to call then i get runaround from DUNS about buying program to update file. Please help I have read entire thread twice or more

[lawnman_scott]

Have recieved Shell, Staples and Office Depot. Can not figure out how to update DUNS file. I found a yellow tab that says Update, click on it and it takes me to a screen to put in name and phone number for authorization. When I do this and click on authorize it gives me 800# to call then i get runaround from DUNS about buying program to update file. Please help I have read entire thread twice or moreRead again. Forget duns and go to smartbusinessreports.com.

[Chilehead]

Hey guys! I have read this thread through, and have just registered with Dunn & Bradstreet, cr.gov, and georgia.gov(for EIN). I have to wait 2 weeks for EIN due to how georgia.gov is set up. I thought everyone could benefit from the following link: www.bcscredit.com/articles/no-personal-guarantee.php
It's somewhat helpful. When I get my EIN, I'll let you know how it goes when applying for credit. By the way, I found out that the sooner one pays off their balance before it is due, the higher their paydex score will be. Later.

[cpel2004]

Has anyone tried John Deere Credit or GE Credit for mowers?

[willretire@40]

You can use Key bank equipment leasing program. key . com. Fill out app and fax it in. No PG and up to 50k no financials.

[AllGreen Landscaping]

staples and office depot are taking forever to report...any other companies to get?

[AllGreen Landscaping]

just got approved for $3000.00 shell card

[fiveoboy01]

just got approved for $3000.00 shell card


Is there an online app for that? Did you have to give a PG?

[jce4isu]

this is great i got 750 office depot

[AllGreen Landscaping]

online app for shell...conoco....exxon....texaco wants a pg...i got the other three....all with no pg and $3000.00 limit...just call them with the ref number after you submit the app....anyone know of a gas card i missed?...bp is pg

[AllGreen Landscaping]

i was wrong....bp has a appp to fax back to them....

[grassmanak]

well youll love to here this i was just approved for a new 3/4ton 4x4 reg cab silverado. It was only on my business credit, i havent gone in to look at the terms or anything yet though. This is with 3K down. I only have 3TL on dnb and 2 TL's on experian, score of 79. Will post up after i go down to the dealership with what happens.

[Tony Clifton]

well youll love to here this i was just approved for a new 3/4ton 4x4 reg cab silverado. It was only on my business credit, i havent gone in to look at the terms or anything yet though. This is with 3K down. I only have 3TL on dnb and 2 TL's on experian, score of 79. Will post up after i go down to the dealership with what happens.

Was this through GMAC?

[grassmanak]

Was this through GMAC?



ok well here is the scoop, little different then they made it seem truck actually a 2wd 2500hd reg cab work truck, id be putting 5k down to get into it also. It is not gmac it was a smaller finance company.

[fiveoboy01]

Well filled out the Shell, had to call and they wanted a PG. I refused. Figure they want to see some history...

I've got Staples and Office Depot, what do you guys recommend I apply for next, which I can get approved for with a very minimal business credit history?

[cpel2004]

So Grassmanak are you going to get it? Congrats, all within six months. Have you been able to get the Discover Card yet? There busting my chops, I got approved for over 10k for Sams but was approved for Discover

[lawnman_scott]

Well filled out the Shell, had to call and they wanted a PG. I refused. Figure they want to see some history...

I've got Staples and Office Depot, what do you guys recommend I apply for next, which I can get approved for with a very minimal business credit history?You know if you give them a personal gaurantee it will still be reported on your business credit. Just something to think about. Lowes or Homedepot are easy ones to get as well.

[cpel2004]

Yeah lawnman scott that defeats the purpose of this entire thread.

[grassmanak]

i am not going to get that truck probably going to buy a new half ton instead, i dont do much heavy work as of now, will probably wait until i can get a new diesel from gm or ford on business credit alone instead. maybe by late fall i will be good for that. guy said max amount we could do was around 30K so i will wait.

[fiveoboy01]

You know if you give them a personal gaurantee it will still be reported on your business credit. Just something to think about. Lowes or Homedepot are easy ones to get as well.

OK, I didn't exactly think about that, but I'll put this question to you or anyone who can answer it...

If I provide a PG, I'm assuming that they get a SS# and run an inquiry into my personal credit, correct?

In any case, I just am not sure I'd want to do that, even if it WAS tied to my business credit. If something happens, and the business goes under and can't pay it's bills(hopefully that wouldn't happen but you never know), I do not want it to affect my personal credit which I have worked real hard to rebuild after I wrecked it several years ago.

[grassmanak]

do not sign a personal guarentee unless your willing to dump your personal credit in the event you lose your business. it doesnt take long to gain these items and once they start coming it will happen quicker and quicker.

[AllGreen Landscaping]

lesco is not in my area....i filled out app and faxed it back....what do they give for a limit...1000.00?

[grassmanak]

lesco gave me 1000.00 and i got a CLI to 3k when i bought my mower from them

[AllGreen Landscaping]

cool...are you sole p ???

[grassmanak]

yes i am a sole prop, but have put down i was an LLC a time or two in order to get approval for certain cards

[lawnman_scott]

OK, I didn't exactly think about that, but I'll put this question to you or anyone who can answer it...

If I provide a PG, I'm assuming that they get a SS# and run an inquiry into my personal credit, correct?

In any case, I just am not sure I'd want to do that, even if it WAS tied to my business credit. If something happens, and the business goes under and can't pay it's bills(hopefully that wouldn't happen but you never know), I do not want it to affect my personal credit which I have worked real hard to rebuild after I wrecked it several years ago.When I filled out the app for my home depot m/c it said I had to print out and fill in a personal gaurantee form and fax it to them. It had ss# and everything on it. I actually forget to do it and still got the card. And when I bought my truck I had to sign a personal gaurantee. All it was was a form saying I was gauranteeing payment. No ss# or anything.

To awnser your question, they cant run your credit legally without consent, your just singing a gaurantee of payment. And ford motor doesnt even ask for anything but a signature.

[AllGreen Landscaping]

grassmanak......what cards did you llc?

[fiveoboy01]

When I filled out the app for my home depot m/c it said I had to print out and fill in a personal gaurantee form and fax it to them. It had ss# and everything on it. I actually forget to do it and still got the card. And when I bought my truck I had to sign a personal gaurantee. All it was was a form saying I was gauranteeing payment. No ss# or anything.

To awnser your question, they cant run your credit legally without consent, your just singing a gaurantee of payment. And ford motor doesnt even ask for anything but a signature.


Hmm, that's interesting.

So in essence a PG will not affect an individual's personal credit, as long as no SS# or other personal info is given?

[lawnman_scott]

Hmm, that's interesting.

So in essence a PG will not affect an individual's personal credit, as long as no SS# or other personal info is given?I think, not 100% sure, that it is just a way to assure payment. Say 50boys inc gets a loan and goes under, they are out the money. But if Mr. 50boy gaurantees payment, then they can sue him for the unpaid balance. I do know that my truck loan doesnt show on my personal creidt report, but its on my business report.

[cpel2004]

No, you don't have to give your social security to be held personally responsible. By you just signing it you are held held responsible. They can get your social by the other info that you provided them.

[cpel2004]

Ok guys just checked I dont have one agency reporting to D&B. If you guys can give me a quick recap of the companies that report to D&B I would greatly appreciate thank you. I guess I need like 5 to 6 companies to report to D&B.

[HOOLIE]

For some reason I ignored this thread for a long time, anyway finally read thru it and just got my $750 Staples card. As they say "That was easy" hahaha

[AllGreen Landscaping]

cpel2004....staples takes 30 days after you buy something

[Garden Gate]

i started building credit in dec 06....checked today i got a paydex of 80...is this something good .....and if good whats its full potential.....can i try HDMC.....OR SHELL MC.......what about JOHN...YES JOHN DEERE.......hey pros please help...........by the way thanks willretire@40..............you good peoples,.......:cool2:

[Bunton Guy]

I still have found that Ford motor company wants tax records, personal SS#, personal signature of guarantee, personal banking proof of income.

[lawnman_scott]

I still have found that Ford motor company wants tax records, personal SS#, personal signature of guarantee, personal banking proof of income.PM me if you have uestions about ford. I got my loan through them in my business name. I had to sign a personal gaurantee but no ss# or any info of any kind. All they did was a credit check on the business.

[grassmanak]

well whats everyones update, i currently have
DNB- 5 TL's paydex-80
EX- 4 TL's paydex-62

Im going to try and get another mower soon as well from exmark or hustler maybe, GE seems to be easier to obtain.

[Mountain Peak]

WOW,
Staples 750
Home Depot 1200

This is amazing.

[Mow It All llc]

OK so I have Staples, Office Depot, Lesco, and Exxon/Mobile.......I see people talking about checking there scores. Someone told me where to look a few months ago but I never found it. Can someone give me the links to check scores........and how long did you guys wait for a visa, m/c, amx or just a major credit card?? Thats what i want most.........Some people have bought Lesco Mowers, how long did you have to wait to get a bump to buy a mower//

[lmtanner72]

So far I followed the steps and received Staples 750 cl and Office Depot 250 cl. What next do I need to apply for and how long should I wait.

[Nickcon404]

Does anyone know how long until Staples and OD report to DNB? I have made at least 3 payments on each and still no activity on DNB report. I am Sole Prop. Thanks for any input.

[grassmanak]

reporting is different for everyone, it may happen quickly it may not. DNB can also be a problem for you. They are the Antichrist

[cpel2004]

I think Staples which is Citi Bank reports to Experian.

[grassmanak]

Has anyone been able to find a mower company you can obtain revolving credit with?? I have 3K from lesco already.

[cpel2004]

Try John Deere Credit, its avaliable but i dont know what qualifying criteria they look at.

[AllGreen Landscaping]

Has anyone been able to find a mower company you can obtain revolving credit with?? I have 3K from lesco already.

do you have to go to the lesco store......i tried online and they want a customer #....no clue...i don't have a store close by...but they do have quality equipment

[grassmanak]

i think you can fax the lesco app in yourself, may have to find a store number though, whatever is closest to you and right it on the app

[causalitist]

https://www.annualcreditreport.com/ to check your report once for free each year..

and then just go to either of the agencies websites to pay for a score if you want. transunion/equifax/experian

[causalitist]

Hmm, that's interesting.

So in essence a PG will not affect an individual's personal credit, as long as no SS# or other personal info is given?

there are "hard" and "soft" inquiries.. soft inquiries dont even show up to anyone but you on your report.
hard inquiries affect score for 2 years. a bunch of hard inquiries in 2 weeks isnt as bad as one every 3 months because they assume your just shopping for a car loan or whatever.

[lawnman_scott]

Has anyone been able to find a mower company you can obtain revolving credit with?? I have 3K from lesco already.Yard card is the best. They offer 1.9% alot. There is also sheffeild and john deere.

[AllGreen Landscaping]

ok...so far...conoco gas $3000.00....Exxon $3000.00...Shell $3000.00.dell $10.000...staples $750.00...Office Depot $250.00....now what?

[CharlotteOutdoorImpact]

Once you have the duns # forget they exist. Go to
www.smartbusinessreports.com

That is the experian website. They are the equifax of business. Its not free, but worth it. I pay 12.95 (I think) a month. You will see all of your credit lines, charts, predictions of your credit, and your score. At least try it for a month.



I tried that and I am not listed on experian.. I have my duns and did the verification for duns.. got approved for staples 750. and office depot 250.00


Any reason I am not showing up on experian?

[TxCustom]

Hey guys I just applied online for a duns #. I was not able to obtain one. Reason the information I supplied on the request form did not match current information in our database. So they gave me the 800# which I called and told her I needed a duns # for Federal Contract. She then ask me " who refered you" MEANING WHAT FEDERAL GOVERNMENT. Someone please HELP.

[B&D Lawn Care]

Have any of ya'll just received cards in the mail. I got a Shell card w/ a 4000 limit yesterday and didn't even apply for it. Which is cool but the closest Shell station is almost 20 miles away.

[grassmanak]

So how are some of you originals doing, i have 12tl's on DNB now, am going to be goin to FORD in a week or 2 for a car as well. some bigger lines i have now Dell 20K, HDMC 15K, Exxon 9K, lots of 2-3K lines that will get cli's soon as well.

[cpel2004]

I got a problem Dnb is showing my score 60 when I look it up. I have several creditors telling me i have no trade lines with DNB, but when I call they tell me I have a paydex of 80 with over 5-6 TL. I dont understand it, can someone offer me some advise.

[milsaps118]

My paydex score is 80 w/DNB is this good????

[grassmanak]

80 is good, it means good payments, no lates,

CPEL2004 im not sure what that is about, could me more of the DNB bullshit scams

[paulycorp]

10/22/07

ok, pauly corporation is starting this whole process today. i am a new member so i am way behind but i wanna catch up. i have an s corporation and have been in business for 3 years. no credit at all so far. i do have one net/30 account with ram-mount. i applied for my duns number today through the goverment website. i am mainly posting this to have a record for myself on where and when i started.

10/22/07

:weightlifter: time to pump some business credit iron :weightlifter:

[cpel2004]

It doesnt take that long read through the older post and they will answer most of your questions.

[paulycorp]

oh yes, i have been reading from the beginning and i pretty much read through all of them. i will be leaving posts to this thread on my progress. thanks for helping.

[paulycorp]

YES!! It is going great so far and it has only been one day. i got my duns # earlier today. I have submitted applications to both Staples and Office Depot. I was approved with both of them. not sure of the credit limit on the Staples card but Office Depot approved my business for $2000.00. Wow! This really is easy. At this rate, my business with have a ton of credit in no time.

Thanks Lawnsite! you rock. willretire@40, your a genious. i wish knew about this sooner. will post with more progress soon i'm sure. :clapping:

One question, do i have to buy stuff to get things moving or is just having the accounts open enough?

[lawnman_scott]

YES!! It is going great so far and it has only been one day. i got my duns # earlier today. I have submitted applications to both Staples and Office Depot. I was approved with both of them. not sure of the credit limit on the Staples card but Office Depot approved my business for $2000.00. Wow! This really is easy. At this rate, my business with have a ton of credit in no time.

Thanks Lawnsite! you rock. willretire@40, your a genious. i wish knew about this sooner. will post with more progress soon i'm sure. :clapping:

One question, do i have to buy stuff to get things moving or is just having the accounts open enough?I try to use all of mine once a month. I dont know if it helps, but I do know that I have excellent business credit. I was able to finance my truck through my business thanks to this thread and willretire's help.

[Mow It All llc]

Hey guys I have done everything on thispost and its all worked out great. I just got a card in the mail today. i dont know about it though.......I didnt apply for it, they sent it because of my good D&B rating. Its used only for equpment purchase and called 5 point Capital. Anyone used them or know anything about them??? Thanks guys

[STRINGALATION]

WELL like others at 3:00 am just finished apllying on line and was told that i would receive my number by e-mail so i have taken the first step wish me blessings i sure could use some credit. it is intimidating to do this because if it is this easy i feel like this is why i am not where i want to be. i have seen some names i have come to respect on this thread and have not seen any one verifiably say it does not work except topsites and well he's topsites he just hac questions like mosst i am so skeptical it will work for me that i am going to try it. i feel i just need to really advertise at the level and quality i like and this would help a tremendous amount

[B&D Lawn Care]

Hey guys I have done everything on thispost and its all worked out great. I just got a card in the mail today. i dont know about it though.......I didnt apply for it, they sent it because of my good D&B rating. Its used only for equpment purchase and called 5 point Capital. Anyone used them or know anything about them??? Thanks guys

If you look there is something about staying away from 5 point. Do a search.

[jhmohio]

Okay so I've completly read this thread about 3 times. I've registered for my duns # and I have it. I have not to this point gotten my experian stuff set up. I have received a Office Depot card for $250 (have not used yet). And have applied for the other lines of credit suggested for people just starting this process. But for some reason, aside from Office Depot, i'm hitting a huge block in the road and getting denials from staples, home dept, e.t.c. Why does it seem as if i'm the only one encountering this problem? I have an EIN, and a DNB? To make a long story short is there any other lines of credit you would suggest me trying.

I mean truthfully this thread is a for real lifesaver it seems to most of you, unfortunatly for me it's not gone the distance yet lol So any help right now would be greatly appreciated.

[grassmanak]

staples is the easiest, did you apply online, did you call in, they made just need to verify your info, home depot you need a paydex, get some net 30's and wait until you have 3-4 trades and a paydex before going to the box stores.

[jhmohio]

Alright, so what net 30's are the easiest to obtain. I do know that applying for to much can effect my score for every inquiry. But if someone could give me a list of net 30's that I can obtain, it would be appreciated.

[STRINGALATION]

i used someones link to the ccr thing and received a e-mail saying i would be notified of my dun # how long will i have to wait is this the 30 day process

[grassmanak]

actually dont worry about applying to much using your duns number, the only people it will affect is DNB and they will flag you and want to sell you something.


uline
reliable
fed ex
aramark/wearguard

i applied for those and have 3 of 4 reporting, fed ex reports for some, but i havent used it yet.

[milsaps118]

I have 6 T.L's. reported on my DNB report. DNB has never contacted me up until the last few weeks. They keep on leaving me messages(caller ID is great) saying that I have had recent vendors inquiring on my DNB report in the last couple weeks and that it is VERY important that I call them back so they can go through and help explaine and manage my business credit. I know for a fact that my business lines are not jepordized in any way and my DNB report is showing nothing but positive reports.

Is this a way for them to lure me in and call them so they can upsell me on the monitoring and all the other bs....?

[jhmohio]

Just a little bump, to see if anyone will provide a list of Net 30's that are easily obtainable..........

[grassmanak]

i posted 4 that are easy

[memac259]

I just got Staples-$750, Office Depot-$250 and have to call a number for more info on Shell after the weekend. How long did you wait for Lowes and Home Depot??

[MFS]

sorry guys but what is a DNB report or what ever you are talking about sorry

[STRINGALATION]

sorry guys but what is a DNB report or what ever you are talking about sorry
LIKE THEY SAY GO TO PAGE ONE AND READ FROM THERE. IT IS SURELY WORTH READING FOR MOST NOT ALL BUT QUITE A FEW

[MFS]

Applied for the number today it was quick and painless. The didnot even try to sell me anything!!! They said to wait until tomorrow to go to ccr and fill out that stuff. so i will keep you updated thanks again

[jhmohio]

okay so yea i've done all the things mentioned in this ad, and i've got office depot for 250, thats it..................any suggestions? have my dnb, have my ein, am getting my llc later this month. please help so i can build this up big and strong :weightlifter:

[FCPWLLC]

Great thread!! I have always known about DnB and have had my number for a couple years. I've got net 30 accounts with lots of my suppliers. However, most of them don't report to DnB etc. This thread was useful in identifying companies that do report. Thanks willretire.

I saw this thread on Saturday and here it is Monday morning and I already have been approved for the following...

$1000 Staples
$1000 Office Depot
$4000 Home Depot
$10,000 Dell

I guess since I have had the DnB number for a while now, it helped. I have been wanting to get vehicles, equipment etc off of my personal credit to free up my credit for other things like investment property.

Thanks for idenifying the reporting companies.

[grassmanak]

this has been a great thread, here is a list of what i have, running out of things to obtain actually
Staples-$1500
Office Depot-$3000
Home Depot-$1000
Home Depot Expo-$1000
Lowes-$1200
Sams Club-$1500
Walmart-$1000
Shell-750
Conoco-$750
Dell-$20000
Amazon-$2000
Lesco-$6000
Exxon Mobil-$9000
Home Depot Mastercard 1--$7500
Home Depot Mastercard 2-$7500
Northern tool-$10000

I have lots of net 30's as well, i just applied for Cub Cadet commercial, Tractor Supply and Sears commercial as well. Willretire, whats next?

[cpel2004]

Homedepot MC-priceless

[jhmohio]

Grassmanak, What are a list of your net 30's????

[CharlotteOutdoorImpact]

Yes I would like to know some net 30's also. I have wearguard, and reliable. and that is all. I think I need more. I have the staples 750.00 and the office depot 500.00. What else should I try for?

[grassmanak]

i have uline, wearguard, Interstate batteries, reliable, bagnbows, fed ex, maybe a couple more, not sure

[rodbite]

I have two HD store cards (2- different corps). With HD if you are approved they will give you what credit line you ask for on the application, up to $7,500.00 also i understand that is not a solid limit,

Meaning if you need to charge over the $7,500 up to $10,000 then you can. But when the bill comes it will have a monthly payment for the $7,500 with the total about of your over the limit amount.


Rod

[rodbite]

Also i have Tractor Supply Commercial, and Sears One Commercial cards.