Building business credit can be easy

[grassmanak]

You can get up to 25K on any of the citi cards without financials providing your credit is good enough. I just got sears commercial as well, although its not a revolving account.

[CharlotteOutdoorImpact]

You can get up to 25K on any of the citi cards without financials providing your credit is good enough. I just got sears commercial as well, although its not a revolving account.


Are you talking personal credit to get the 25k from citi? or if its your business credit, how good are we talking? Do you mean a business credit score of 80? Do you need something else?

I have a staples and office depot... also got a reliable account and a wearguard set up... What should I do next? Of course I need to make sure they are reporting first, but then what?

Thanks to all... this is some very useful info........

Chad

[grassmanak]

i have score of 80 and 14 reporting, and im getting lines up to 10K from citi now, i think you need a good file and some age to get these. I know some have though. Also citi will at least double your limit every 6 months, more if you ask for it.

[cpel2004]

Too bad for me, DnB doesnt report anything on my business. I have about 10 -12 TL but no score reports when I check m status except two letters. Oh well. I'll try Citi later. Grassmanak, Citi doesnt ask for any PG on business accounts? Which one did you apply for. Thanks.

[grassmanak]

if you have 10-12 TL's you should have a file, have you signed up for eupdate and all of that. As far as CITI we are talking about citi backed store cards, not the mastercards and visa's. Although some have obtained CITI visa and mastercards without a PP. It is kind of a crap shoot on those. You have to put your SSN, they may or may not pull.

[Nate@TLCS]

bump:drinkup:

[The Right Tone]

will I read thedunn page on this and there was a charge of $549 or something for creditbuilder is that theone you were talking about? www.landscapenashville.com

[chumiller22]

Hey GrassmanAk,

How many months did it take for you to get to the 10k citi level? I got Officemax/Staples and 4 net 30's, this system does work...only in the first month tho.

[paulycorp]

how do you get rid of the ds status on your credit report from dnb w/o paying them money? i spoke to the devil, i mean dnb and they told me the only way to get a real rating is to pay them $300.00. i dont want to do that. i have two cards from staples and office depot which should be reporting but all that is there is "Rating: DS". can someone help please?

[Ecoscape01]

how do you get rid of the ds status on your credit report from dnb w/o paying them money? i spoke to the devil, i mean dnb and they told me the only way to get a real rating is to pay them $300.00. i dont want to do that. i have two cards from staples and office depot which should be reporting but all that is there is "Rating: DS". can someone help please?

Ya! Screw DNB. I went through that junk with them man. They are nasty people. But don't worry about them. Most major companies, specifically Staples and Office Depot who both use Citi Card for their card services, use Experian Business Credit too. Also, my company also offers painting services so I opened an account with Sherwin Williams under my incorporation with no personal guarantee. Sherwin Williams will give a new company with NO credit history a $1000 limit. They will also report. Don't worry about DNB. They are the reason Experian Business Exists. They are such pricks that no businesses want to deal with them and they provided an outlet for companies like ours. I haven't paid them a dime yet they still request reports from my creditors each month. check this link out and see if your company is listed:
www.smartbusinessreports.com
GL:)

[paulycorp]

i have already checked with experian before and my company does have a record with them. is it best to get the cheapest monthly plan or the one time report or what? i am looking for the bang for the buck choice here. and will experian get rid of that status on my report?

btw, you guys rule. this is the type of management i like spending time on. :clapping:

[paulycorp]

i have already checked with experian before and my company does have a record with them. is it best to get the cheapest monthly plan or the one time report or what? i am looking for the bang for the buck choice here. and will experian get rid of that status on my report?

i couldn't wait. i got the monthly plan with experian. it is only like 13 bucks a month and i only have a three month commitment. i can handle that and it is fair. not $300.00 like crap faces, dnb. but will it clear up the DS status? i have already contacted them requesting it be removed and i plan to use this service to its fullest potential. i bet i'll get my moneys worth.

[grass-scapes]

Staples and Office depot
Northern
Shell Fleet
Lesco
Lowes
Dell

None with PG

To the person who wanted to get rid of the DS on your D n B, Request an Eupdate pin. Then, call to make some changes and it should update. I had to dispute some bad info and it changed from DS to some 3 digit code.

I have a 79 cause I was late with a phone bill.

[paulycorp]

home depot turned me down. i wonder why. i bet i did something wrong. :confused:

I am talking to dell right now. approved for five big ones. heck yeah. whats next? :weightlifter:

[Ecoscape01]

I cant get my damn creditors to report. They're takin their sweet time. errrrrrrrrrr

[koppandson]

has anyone tried this system with a brand new ein number that was just given out by the irs(applied for and issued the same day).

i have two businesses and am trying this system out on my second, not established business.

thanks

[lawnman_scott]

Are you talking personal credit to get the 25k from citi? or if its your business credit, how good are we talking? Do you mean a business credit score of 80? Do you need something else?


high 80's will get you 25K cards.

[willretire@40]

Over 43,000 views.

[grassmanak]

high 80's will get you 25K cards.

has a lot more to do than with just your paydex, time in business, revenue, other trades, lots of stuff

[cpel2004]

Willretire any more updates on building credit part two. Can anyone tell me how does HD/MC store info. Do you know if they cross link card etc, if so to your phone #, tax id etc, I wonder how many cards can get?

[cpel2004]

So Willretire have you tried to get a business loan. I'm in the process of getting my personal credit straight. Im thinking about applying for a small to med business loan within the next year or two. Pesticides here I come. Indoor and outdoor, termites and more termites. I love the little critters.

[lawnman_scott]

has a lot more to do than with just your paydex, time in business, revenue, other trades, lots of stuffYour number is your credit score. The other things matter, but the main thing is the score. The tradelines thing is over-rated. Once you have 6-8 good ones, thats about all you need.

[grassmanak]

you cant get 6-8 good lines without waiting years, or putting a PG on the account. the highest trade i have is dell, which anyone can get, next is northern tool at 10K, but problem is, now they are switching all reporting to usage on your cards and not your limits, so unless we start racking up the debt, or spending lots every month, we cant have big trade lines.

[paydex]

will I read thedunn page on this and there was a charge of $549 or something for creditbuilder is that theone you were talking about? www.landscapenashville.com

hello!

the creditbuilder d&b hawks (including the "lite" and "premium" versions) are totally a scam and not needed. you can get a d&b number free (and it will be "active" even though the phone reps claim that it isn't so.)

you then can start by getting some Cl's from nebs, rapidforms, and a few others so that you will get a paydex, once you have 5+ cls reporting.

[paydex]

you cant get 6-8 good lines without waiting years, or putting a PG on the account. the highest trade i have is dell, which anyone can get, next is northern tool at 10K, but problem is, now they are switching all reporting to usage on your cards and not your limits, so unless we start racking up the debt, or spending lots every month, we cant have big trade lines.

well, maybe you want to buy something and return it? i know this works for MBNA personal cards (which report high balance instead of limit...)

[paydex]

Staples and Office depot
Northern
Shell Fleet
Lesco
Lowes
Dell

None with PG

To the person who wanted to get rid of the DS on your D n B, Request an Eupdate pin. Then, call to make some changes and it should update. I had to dispute some bad info and it changed from DS to some 3 digit code.

I have a 79 cause I was late with a phone bill.

pay a few bills well before the due date- that will bring up your average days-to-payment, which will bring you back over 80

[paydex]

has anyone tried this system with a brand new ein number that was just given out by the irs(applied for and issued the same day).

i have two businesses and am trying this system out on my second, not established business.

thanks

it has to do with the date of incorporation- you can take a shelf corp that has been around for years, apply for an EIN and the same day apply for business credit using the EIN.

D&B does not and cannot use IRS records, and they have no way to know such information.

[paydex]

if you have 10-12 TL's you should have a file, have you signed up for eupdate and all of that. As far as CITI we are talking about citi backed store cards, not the mastercards and visa's. Although some have obtained CITI visa and mastercards without a PP. It is kind of a crap shoot on those. You have to put your SSN, they may or may not pull.

some store branded visa cards, like Home Depot Master Card (business), is a visa card that can be used anywhere and is not based on a personal credit report or SSN or score.

[bigclawnman]

I have been kind of slow to get things done. Been really busy, you know, one man show. Anyway I got my LLC back In Sept, just got my new EIN number, and I called Staples,,,and I got approved for ...$2000. Now on to Office Depot. Sweet Thread here....thanks for all your help guys. Will keep you guys posted.

[paydex]

I have been kind of slow to get things done. Been really busy, you know, one man show. Anyway I got my LLC back In Sept, just got my new EIN number, and I called Staples,,,and I got approved for ...$2000. Now on to Office Depot. Sweet Thread here....thanks for all your help guys. Will keep you guys posted.



that is amazing! :clapping: staples usually grants $750! :cool2:

is your business 411 listed?

also, did you apply on line, by fax, in store, or by phone?

[grass-scapes]

that is amazing! :clapping: staples usually grants $750! :cool2:

is your business 411 listed?

also, did you apply on line, by fax, in store, or by phone?

I got 2k from both staples and OD. Applied same day online.
2k Shell Fleet too.
20K Dell
4K Sams
3k Lesco
2k Northern tool
Ford won't touch me, though without PG

[bigclawnman]

I got 2k from both staples and OD. Applied same day online.
2k Shell Fleet too.
20K Dell
4K Sams
3k Lesco
2k Northern tool
Ford won't touch me, though without PG




Well I applied on line last Friday, and I got a prompt back that they could not process my information and that I would have to call. So I called them and the rest is history. I called Office Depot as well, they only granted me $250.

What is the next step?

[bigclawnman]

How do you find out if your business is 411 listed? Is that neccessary

[paydex]

if you are, you will get better credit lines and more approvals-

that might be the reason behind the ford denial if everything else were checking out...

FORD also likes to see money in the business bank account sometimes.

add your business to these as well:
http://advertising.superpages.com/spweb/portals/customer.portal?_nfpb=true&_pageLabel=bp_listing_find&_nfls=false

http://www.listyourself.net/listing.jsp?ID=new

[paydex]

and these too:

http://local.google.com

http://dbupdate.infousa.com/dbupdate/startupdate?bas_request=A

[paydex]

also, another option:

Call ATT (800) 750-2355 and asked for a Virtual # (set up $5), which will be remote call forwarded to any number, $17/month.

if you can afford it, it is worth it to be listed in 411. there is also a way to do this FREE, but i have it somewhere in my files and will post it when i find it.

[AAXteriors]

Hey guys. I got my duns # almost a year ago and got $750 staples credit. My problem is that when i go on the DnB website i cant login to get my score. I cant seem to remember my ID or password. I tried the forget password option but they haven't responded yet. Is there anyway around this or do i have to call the devel... I mean DnB to get the info?

-Josh

[lawnman_scott]

I got 2k from both staples and OD. Applied same day online.
2k Shell Fleet too.
20K Dell
4K Sams
3k Lesco
2k Northern tool
Ford won't touch me, though without PGAll the Ford PG is is a signature. No ss# or credit check. If your stable and not worried about going out of business or failing to pay it makes no difference. It doesnt go on your personal credit, and it will appear on your business credit.

[grass-scapes]

All the Ford PG is is a signature. No ss# or credit check. If your stable and not worried about going out of business or failing to pay it makes no difference. It doesnt go on your personal credit, and it will appear on your business credit.

but the idea of having a business is for it to be a separate entity. What if something DOES happen. Lets say you kill someone while driving and you get sued. If you aren't separate, a good lawyer will get everything you own, personal AND business.

On the other hand, if you set up your company right, and your business ALONE is responsible for your BUSINESS stuff, if the unthinkable happens, you lose your business stuff, and not everything you as a person had to "put up" to get stuff for the business.

and, yeah, I know....good insurance may protect me, but thats not the point. Consider it the same as if you co-signed a loan for a friend and he quit paying. Then YOU have to pay or YOU get bad credit too. Its the same with a business. Why co-sign for it when you never really know whats going to happen. If you "co-sign" and you as an individual can't afford to continue payment on your business stuff, you not only lose your stuff, you screw up your personal credit in the process.

Putting it business only protects YOU as a person.

[bnoel78]

what is a EIN # and where do you get that at

[paydex]

Hey guys. I got my duns # almost a year ago and got $750 staples credit. My problem is that when i go on the DnB website i cant login to get my score. I cant seem to remember my ID or password. I tried the forget password option but they haven't responded yet. Is there anyway around this or do i have to call the devel... I mean DnB to get the info?

-Josh

go to eupdate.dnb.com - and try to login... you should be able to login or get a password sent to you by pysical mail.

do you know your duns number?

[paydex]

All the Ford PG is is a signature. No ss# or credit check. If your stable and not worried about going out of business or failing to pay it makes no difference. It doesnt go on your personal credit, and it will appear on your business credit.

not so true... besides, if you PGed it, it is a liability against you (for example, when applying for a bank loan and needing to list your liabilities, or for insurance...)

[paydex]

but the idea of having a business is for it to be a separate entity. What if something DOES happen. Lets say you kill someone while driving and you get sued. If you aren't separate, a good lawyer will get everything you own, personal AND business.

On the other hand, if you set up your company right, and your business ALONE is responsible for your BUSINESS stuff, if the unthinkable happens, you lose your business stuff, and not everything you as a person had to "put up" to get stuff for the business.

and, yeah, I know....good insurance may protect me, but thats not the point. Consider it the same as if you co-signed a loan for a friend and he quit paying. Then YOU have to pay or YOU get bad credit too. Its the same with a business. Why co-sign for it when you never really know whats going to happen. If you "co-sign" and you as an individual can't afford to continue payment on your business stuff, you not only lose your stuff, you screw up your personal credit in the process.

Putting it business only protects YOU as a person.

well said.:clapping:

[paydex]

what is a EIN # and where do you get that at

The IRS.

(form SS4- you can get one by phone.)

are you incorporated?

[lawnman_scott]

not so true... besides, if you PGed it, it is a liability against you (for example, when applying for a bank loan and needing to list your liabilities, or for insurance...)No, not true. It does not show on my personal credit, it shows on my business credit. The truck, insurance, and loan is in the name of the company. The only problem is if I dont make the payments, and if it comes to that I am screwed anyway.

[grass-scapes]

No, not true. It does not show on my personal credit, it shows on my business credit. The truck, insurance, and loan is in the name of the company. The only problem is if I dont make the payments, and if it comes to that I am screwed anyway.

My truck is in the name of the business and it shows on both my personal credit and my business credit. The whole point is to get your business self sufficient and if it DOES have problems, you don't screw your personal credit up for 7 or 10 years.

[lawnman_scott]

My truck is in the name of the business and it shows on both my personal credit and my business credit. The whole point is to get your business self sufficient and if it DOES have problems, you don't screw your personal credit up for 7 or 10 years.I would prefer no PG but thats the way it is. I just know it does not show up on my personal credit, just my business file. Its the only thing I had to give a PG for, so I can live with that.

[bnoel78]

The IRS.

(form SS4- you can get one by phone.)

are you incorporated?
No we are not incorporated, Limited liability
thanks for the help

[Paradise Landscapes]

Guys, What is PG, may I ask?

[paydex]

No we are not incorporated, Limited liability
thanks for the help

LLC is a form of incorporation. its actually an abbreviation of Limited Liability Corporation.

[paydex]

Guys, What is PG, may I ask?

Personal Guarantee. (by sigining one, you are personally responsible for this debt, even though its a business debt.)

[bigclawnman]

I like all of this credit building, but will it be able to set you up with a bank loan down the road. If so, how does one going about doing that. I see a lot of guys getting a lot of credit to build up there score, but what good is it if you can't get a loan from the bank. Not too be negative, because I understand the need for the smaller accounts, but what if you need a big loan for something.

[Midstate Lawncare]

got E.I.N.today, Got D.U.N.S. today too. Will activate the duns friday and only time will tell.

[CharlotteOutdoorImpact]

I am sole P right now. I am switching to LLC soon. What steps do I take to update the necessary things. I have a dnb number and a ein. I have staples and office depot, wearguard, reliable. I am at a stand still and don't know what I should do to get a score. now I don't have a score at all. It's been 4 months since I had the accounts open. I used all and paid the balance right off.

Thanks

[paydex]

I like all of this credit building, but will it be able to set you up with a bank loan down the road. If so, how does one going about doing that. I see a lot of guys getting a lot of credit to build up there score, but what good is it if you can't get a loan from the bank. Not too be negative, because I understand the need for the smaller accounts, but what if you need a big loan for something.


How about getting all that stuff in your sig financed by the bank- with no personal guarantee?

and how about that new tree-blender that you are dreaming about to expand your business by being able to shave up tree stumps? and that huge mulcher? and...

Plus, lines of credit with suppliers, home improvement retailers, and all the b2b vendors you deal with on a daily basis would come in handy...

and many banks and lenders will check a paydex or intelliscore besides your personal credit, wvwn when you need a 250k loan....

[paydex]

I am sole P right now. I am switching to LLC soon. What steps do I take to update the necessary things. I have a dnb number and a ein. I have staples and office depot, wearguard, reliable. I am at a stand still and don't know what I should do to get a score. now I don't have a score at all. It's been 4 months since I had the accounts open. I used all and paid the balance right off.

Thanks

You should open the corp. as soon as possible.

once you do, then apply for accounts like nebs and uline- both provide credit to new businesses easily.

(also kinkos, ups, fedex, etc...)

[paydex]

got E.I.N.today, Got D.U.N.S. today too. Will activate the duns friday and only time will tell.

good luck! let us know how it goes...:walking:

[racer56]

Does it have any affect on credit to be an LLC or s corp.? We have talked to an attorney and 2 cpas but they each have good and bad points and think one is better than the other for this or that but it sounds like a wash to me I guess. We are just marking time I guess to pick one. How long after we file our company do we call Office Depot? Hey thanks for everyones valuable info on this matter. Something I don't have a single clue about.

[grass-scapes]

Does it have any affect on credit to be an LLC or s corp.? We have talked to an attorney and 2 cpas but they each have good and bad points and think one is better than the other for this or that but it sounds like a wash to me I guess. We are just marking time I guess to pick one. How long after we file our company do we call Office Depot? Hey thanks for everyones valuable info on this matter. Something I don't have a single clue about.


Usually, a lawyer will tell you an LLC is better and a CPA will tell you an S-corp is better.

[CharlotteOutdoorImpact]

[QUOTE][Usually, a lawyer will tell you an LLC is better and a CPA will tell you an S-corp is better.
/QUOTE]

So that would suggest S-corps have more tax advantages??

I recently read more and more people were doing LLC's and not S-corps. Wonder what is best for tax's. Thats the area I am most concerned with.

Thanks for everyones help.

[grass-scapes]

[QUOTE][Usually, a lawyer will tell you an LLC is better and a CPA will tell you an S-corp is better.
/QUOTE]

So that would suggest S-corps have more tax advantages??

I recently read more and more people were doing LLC's and not S-corps. Wonder what is best for tax's. Thats the area I am most concerned with.

Thanks for everyones help.

With LLC's, you still have employment tax issues (15%) and other taxes With an s-corp, you must draw a "reasonable" salary on which you pay taxes and SS, medicare, etc, then you can take owners draws. At the end of the year, the net income from the business flows through to the tax returns of the owners, based on percentage of ownership.

so, Yes, s-corp has significant tax advantages over LLC's

[racer56]

This last cpa told me that we can go the LLC route and then elect to be taxed as a S Corp. I guess this is the best of both worlds. Also the way I understand it is you can start as a LLC and go to a S Corp but I guess not the other way around. I forgot to confirm this with him though. Office stuff like this is the thing that is hard for me, not the work itself.

[RedWingsDet]

As far as verifying the duns number with the ccr . gov site, what exactly do we need to do.... Or where is it listed to Verify the number. Because The only thing I see is to register, which is the TPP. Thanks.

[bigclawnman]

Just for your guys information, I just found another net30 account. Its from Nebs.com Only about $300 but just another to add to the portfolio.

[paydex]

buy from nebs and from rapidshare (sister company that reports seperately). this will give you 2 diff tradelines.

remember to pay the bill 5-10 days after you buy the items to get a higher paydex! do not wait for the bill to arrive for highest score!

[paydex]

As far as verifying the duns number with the ccr . gov site, what exactly do we need to do.... Or where is it listed to Verify the number. Because The only thing I see is to register, which is the TPP. Thanks.

verifying the duns number?

[RedWingsDet]

verifying the duns number?

yes I thought you had to verify the duns number on ccr . gov

Ive known about this whole procedure for sometime now, but finally decided to try it...

I found out when I called dnb earlier this week that I have had a duns number since 2004 when I started the company, i've also had an ein since then too (which I knew, since I got that).
Maybe this will speed the process up for me when getting credit. I applied for the staples and OD Tuesday, and faxed the verifying info to them yesterday, so hopefully I should hear something from them by Monday. Then I was planning on doing the shell card, sunoco card, and a few net 30's to get my 5 credits reporting so I can get a paydex score. Hopefully by the end of the year I can get all the business stuff off my personal credit and into the business credit (which is pretty substantial).

Anyway, if you don't have to verify the number on ccr . gov let me know. Thanks!

[CharlotteOutdoorImpact]

What gas cards can I get... Or do I need to wait? I have staples 750.00, Office depot 500.00, And net 30's with uline, reliable... I will also try the two paydex just mentioned. I really need to get this going... I two have lots of credit on my personal file and must get these transfered to the business side ASAP. Besides the gas card, is there a larger amount I could get anyway like a line of credit or a larger credit card to transfer balances? I was wondering how long it would take to make this happen.

[CharlotteOutdoorImpact]

buy from nebs and from rapidshare (sister company that reports separately). this will give you 2 diff trade lines.




I was successful with Nebs, but I am not sure rapidshare is the right company?

Is it a file storage company? I couldn't see where to apply for a net 30. It looks like its only paypal.

Any info on Gas cards? that's something I could really use. Its hard to find things to buy from these places.

How often do you recommend buying from each net 30?

[CharlotteOutdoorImpact]

OK just got approved for a Shell 750.00 and then a Sunoco 750.00

Wish there were BP or Exxon, they are everywhere... Shell and Sunoco's are hard to find...

[wendicp]

You can get Exxon. They said they needed more info when I applied but about 2 weeks later I had 3 cards with a 750.00 limit. Here are some others I received:
Office Depot-1500.00
Staples-1000.00
Home Depot-2100.00
Lowes-1000.00
Wal-mart-1500.00
Sams-1500.00
Ford motor-new 2008 Ford F350 crew cab diesel dually-2.9% interest

Some of them ask for a personal guarantee-don't give it to them. They may tell you they need more info but they will approve you without it. Don't have perfect personal credit and needed some business credit. Now I have it! Good luck to you guys.

[CharlotteOutdoorImpact]

Thanks, This is what this site is all about!!













c

[bigclawnman]

I kind of got carried away and was not patient. A week ago I got my Staples and Office Depot cards. Instead of waiting I went ahead and applied for Shells fleet card. Had to supply a PG for them to even think about giving me a card. They told me I had not enough activity to give me one. So impaitience hurt me.

[CharlotteOutdoorImpact]

Just in the past two days I have been approved for a Shell 750.00, Sunoco 750.00, and Exxon 750.00. And another net 30 at Nebs.

How long should I wait and what is next. I really need something to buy some equipment and transfer start up costs from my personal credit.

When should I apply for the Home depot credit card?

[grasshopperslawn]

Wow I applied for A dnb number yesterday called office depot today and was aproved for a card in my companies name $250.00

[grasshopperslawn]

Are there any other companies where you can apply

[Paradise Landscapes]

I filled out info for duns#, Got email needing to call them to verify that I didn't have a previous duns#? Never filled one out prior.

[grassmanak]

I kind of got carried away and was not patient. A week ago I got my Staples and Office Depot cards. Instead of waiting I went ahead and applied for Shells fleet card. Had to supply a PG for them to even think about giving me a card. They told me I had not enough activity to give me one. So impaitience hurt me.

dont worry about that, believe it or not it will help you, i applied for a lot of stuff way to early, but i felt it helped me, when i reapplied 90 days later i was always approved. even with a marginal credit file. i also have northern tool for 10k which i shouldnt have because im a sole prop, and they require 2 years of incroperation.i applied to early and was denied, then reapplied and was somehow approved.

[Paradise Landscapes]

Inmy email that came back, a guy by the name of Randall Hall needed me to call him back to verify some info. I called back, he turns arround and gives me another number to call. I call that number, and it tells me to fill out the form. I already did that. I might just wait till next year to re-apply.

[milsaps118]

Who here has applied for Ford Commercial Credit? Did you do it online, or at the dealership? Does anyone have the web address, and do they require a PG?

Thanks in advance!

[CharlotteOutdoorImpact]

Yes, I bet there are a lot of us that would love to learn as much as possible on this...

[grass-scapes]

Who here has applied for Ford Commercial Credit? Did you do it online, or at the dealership? Does anyone have the web address, and do they require a PG?

Thanks in advance!

I have applied 3 times in the last 2 years and EACH time they wanted a PG. They say I haven't been in business long enough.

Background:
Est. 2000 part time
2002 Full time
2005 incorporated
2006/2007 each over 6 figure gross income.

BUT, because I don't have any LARGE credit amounts established THAT REPORT, I am SOL.

I have very good credit with the business, but very little of it reports. The only ones that report now are the ones serviced by Citi (staples, OD, shell fleet)
I have several serviced by GEMB, and they don't report (if they did, thats 12 grand credit limit). Carmax (yes, business loan....22,000)

Everyone seems to think ford is the easiest...BLAH.

p.s. You can get the application for Ford Commercial Credit online. go to ford.com and search from there.
You CAN'T apply online. It has to be submitted through a dealer. I read somewhere you could fax it, but they just send it to a dealer.

[milsaps118]

I have applied 3 times in the last 2 years and EACH time they wanted a PG. They say I haven't been in business long enough.

Background:
Est. 2000 part time
2002 Full time
2005 incorporated
2006/2007 each over 6 figure gross income.

BUT, because I don't have any LARGE credit amounts established THAT REPORT, I am SOL.

I have very good credit with the business, but very little of it reports. The only ones that report now are the ones serviced by Citi (staples, OD, shell fleet)
I have several serviced by GEMB, and they don't report (if they did, thats 12 grand credit limit). Carmax (yes, business loan....22,000)

Everyone seems to think ford is the easiest...BLAH.

p.s. You can get the application for Ford Commercial Credit online. go to ford.com and search from there.
You CAN'T apply online. It has to be submitted through a dealer. I read somewhere you could fax it, but they just send it to a dealer.

Grass-scapes-- I checked out the app @ Ford.com. On the app it still asks for SS#/ TN #. Do I just leave out my SS and give them mt Tax ID (TN?)

What do you think my chances are, my Paydex score is 90 (DNB) w/9 TL's reporting all in good standing and high CL's w/low bal.. My total CL's are 30K and only about 3% util. If they do approve you do have to buy a vehicle right away, or do the give you a line of credit?

Thanks for the info.:drinkup:

[grass-scapes]

Grass-scapes-- I checked out the app @ Ford.com. On the app it still asks for SS#/ TN #. Do I just leave out my SS and give them mt Tax ID (TN?)

What do you think my chances are, my Paydex score is 90 (DNB) w/9 TL's reporting all in good standing and high CL's w/low bal.. My total CL's are 30K and only about 3% util. If they do approve you do have to buy a vehicle right away, or do the give you a line of credit?

Thanks for the info.:drinkup:

Leave out the PG part. Give only your tax ID. Paydex 90 with 9 lines reporting with 30K should get you a truck. My paydex is 80 with 5 lines reporting but the limits are low. Like 6K

I'd like to know how it goes.

[AAXteriors]

go to eupdate.dnb.com - and try to login... you should be able to login or get a password sent to you by pysical mail.

do you know your duns number?

I did the whole thing back when i first got my number. I set a password and ID but i forgot them. I clicked on the send me an email with my password but got no response.

Josh

[paydex]

if you are trying to buy a vehicle, you should speak to a fleet manager.

ford:
http://dnb.ceooftheusa.com/Ford_Business_Leasing.html

[paydex]

I filled out info for duns#, Got email needing to call them to verify that I didn't have a previous duns#? Never filled one out prior.

it's possible one of the vendors you deal with reported your busienss as a client and therefore a number was generated for you.

[paydex]

Just in the past two days I have been approved for a Shell 750.00, Sunoco 750.00, and Exxon 750.00. And another net 30 at Nebs.

How long should I wait and what is next. I really need something to buy some equipment and transfer start up costs from my personal credit.

When should I apply for the Home depot credit card?

Home Depot (Mastercard version can be used anywhere, not just HD!) you are best off waiting for a paydex.

[paydex]

buy from nebs and from rapidshare (sister company that reports seperately). this will give you 2 diff tradelines.

remember to pay the bill 5-10 days after you buy the items to get a higher paydex! do not wait for the bill to arrive for highest score!


oops... my bad.

rapidFORMS.com, not rapidshare.

[paydex]

OK just got approved for a Shell 750.00 and then a Sunoco 750.00

Wish there were BP or Exxon, they are everywhere... Shell and Sunoco's are hard to find...

shell and texaco should both work with the same card. any texacos?

[bigclawnman]

Well in the last 2 weeks I have been approved for Staples = $2000, Office Depot = $250, and Nebs = $300. I have bid on a couple of big jobs. How can I set myself up so that I might be able to get some bigger equipment, ei a Z-turn. Going to run about $5000 - 7500. Would appreciate any ideas or advice.

[milsaps118]

Who here has applied for the rewards HD MC online and got instant approval? I just applied and got the 30 day message so I called the 800 and the rep said it was under review. I have a HD COMM'L revolving with a 10K CL, that was approved right away. Before I applied for the MC, I called HD cust. svc. to see if I could transfer the rev acct to the rewards MC and they said I had to re apply for it.

I guess I'll have to wait and see.............

[milsaps118]

Leave out the PG part. Give only your tax ID. Paydex 90 with 9 lines reporting with 30K should get you a truck. My paydex is 80 with 5 lines reporting but the limits are low. Like 6K

I'd like to know how it goes.

I'm still on the fence about trying it. I really don't need another truck but just wanted some more info on it from ppl who have experienced it w/Ford Credit.

It's good to know your options when it comes to a vehicle purchase.

[milsaps118]

Who here has applied for the rewards HD MC online and got instant approval? I just applied and got the 30 day message so I called the 800 and the rep said it was under review. I have a HD COMM'L revolving with a 10K CL, that was approved right away. Before I applied for the MC, I called HD cust. svc. to see if I could transfer the rev acct to the rewards MC and they said I had to re apply for it.

I guess I'll have to wait and see.............


Bump...Bump......

[milsaps118]

Who here has applied for the rewards HD MC online and got instant approval? I just applied and got the 30 day message so I called the 800 and the rep said it was under review.
I guess I'll have to wait and see.............

Got the news today.....a CSR called me to verify company name and address, put me on hold for a minute and came back and said i was approved. I ask what the CL is and she says $25K!!!!!!!.

Keep in mind fellas this is a Master Card, not a store card. My first official major unsecured corporate card. I have to give props to WILLRETIRE@40 for starting this topic, I have been reading/following all the posts and have been following some of the advice givin' on here. Without this thread I would have never know about all the financial resources we have with out giving a PG.

One other thing I found out when applying for any Citi backed company card, when you apply online and they give you a ref# and Code#, Code 26= APPROVED/NEED TO VERIFY and Code #25 = DENIED

One last thing......for all you guys going app crazy (including me) and getting approved. BE SMART WITH THIS. Just because you get the card doesn't mean you can afford all the things you could buy on it. Look at having a card as a last resort resource to make purchases. Ask your self this, "If I didn't have this card would I be able to buy this?" Build your company credit, for the future of your business, and use your cards wisely. Don't get caught in the trap and dig a hole of debt.

Good luck fellas':drinkup:

[jphag]

First off get a duns number but dont buy the builder crap. To get a dunns number instantly tell them you need it for government contract and they shouldnt try to sell you anything. It is best to be inc. to get good credit offers but can be sole for limited credit. Also have to have EIN #. Then you have to build credit which can be done on average in about 3 months. Then apply for a staples business account with out using your personal credit. You should be able to get $750 limit. If you get denial online call the 1800 #. I will post more info later. Let me know if interested cuz if not wont waste the time. Have to do this just right to get best credit fast (3-6 months).

I am interested and want more info.

Thanks

[grass-scapes]

I am interested and want more info.

Thanks

Then read the entire thread, from post one....Don't just go to the last post like when I posted this link for you. Take some initiative and do some research on your own.

[jphag]

american express business is also good. I thought. I applied for the credit card and they approved it with a no limit balance which is pretty good. You just got to make sure you pay it off because the % rate is high i think at 24.


Did you do this with your Dunns #? What if your credit isn't so good?

[jphag]

Ok Im a little lost....What is a LLC and a EIN?

LLC = Limmited Liability Company

EIN = Employer Identification #

[grass-scapes]

LLC = Limmited Liability Company

EIN = Employer Identification #

Ok dude, there are 60 pages of posts on this subject. you are replying to a post on page 4. Someone has answered this many times. This post is for reading mostly.....so, read and gain knowledge, grasshopper

[jphag]

You have to have a strong DNB file. Meaning you have to have some high credit limits reporting and a paydex score of 80. Have you learned how to check your Dnb Report.

whats a dnb file or report

[cpel2004]

Milsap how many card do you have and how long did you wait before you applied to HD?

[jphag]

Ok dude, there are 60 pages of posts on this subject. you are replying to a post on page 4. Someone has answered this many times. This post is for reading mostly.....so, read and gain knowledge, grasshopper

O.k. You are right. I was posting to old messages and I do appoligize about that. I have spent the last several hours reading from page 1 to page 61 and I have learned a great deal. This will more that likely be some of the best fininancial advice I have ever been given. Again I appoligize for the early responses.

[milsaps118]

Milsap how many card do you have and how long did you wait before you applied to HD?

I opened a HD Comm'l revolving account last summer (May/June) and got instant approval for 5K, after 3mo with small charges and paying them in full before the due dates, they gave me a CLI of $1500 w/o me requesting. My first card was Staples, then Office Depot, then HD.

So far I have:

1-Staples 2K
2-OD 2K
3-HD revolving 5K CLI after 3mo $6500
4-Lowe's $1500
5-Northern Tool $10K
6-Office Max $6500
7-Shell Fleet 7K
8-Unsecured HD Master Card $25K

That's $60,500 of unsecured credit with no PG! Holy Sh!T! I'm gonna have to bury these in a hole so I don't get crazy with all this. It could get dangerous fast!

All kidding aside....just remember, even though you get approved for all these cards DO NOT fall in the credit card trap! Use this to build a good D&B portfolio. Build your business credit to put you in a good position to apply for the good stuff like opening lines of credit, small biz loans, comm'l auto loans/leases, ect. These store cards are pettily and don't mean jack. They don't give you access to real working capital (cash), they only allow you convenience to make purchases at their stores with flexible terms.

I started out small gaining more and more store cards. Waited till they reported to D&B, watched my Paydex move from 40 to 90, then made my move to apply for the Home Depot Master Card. I waited till I had at least 5 TL's reporting and I was lucky enough to have a Paydex of 90 before I even thought twice about applying for it.

Some of my keys to success so far:

1-Reading this entire thread(thanx WILLRETIRE@40)
2-Be patient
3-Slow smart moves
4-Make small, small purchases and PIF before the due dates
5-Watch your D&B file and Paydex.

Be smart about this and think it out before you make your next move. Ask your self where you want to be long term, and not what your gonna buy with your credit today.

My next move, IF I need it will be a small biz LOC (line of credit) or a SOHO loan from these guys. http://www.innovativebank.com/. Requires NO PG, but you have to have a solid D&B file and show financials. It's always good to know your financial options.

Build your business credit up and establish a solid financial portfolio for your business. Work hard, be smart, and you'll be successful.
Good Luck!:drinkup::drinkup:

[bigclawnman]

My next move, IF I need it will be a small biz LOC (line of credit) or a SOHO loan from these guys. http://www.innovativebank.com/. Requires NO PG, but you have to have a solid D&B file and show financials. It's always good to know your financial options.

Build your business credit up and establish a solid financial portfolio for your business. Work hard, be smart, and you'll be successful.
Good Luck!:drinkup::drinkup:[/QUOTE]



Excuse me for my ignorance, but what is a "SOHO" loan.

Thanks!

[milsaps118]

Excuse me for my ignorance, but what is a "SOHO" loan.

Thanks!

Check the link out, Small Office/Home Office Loan (SOHO). A loan program that works in-conjunction with the SBA.

[Raven386]

just got my # last night and applied at Staples. got approved instantly when they wouldnt approve me before. Thanks Willretire@40....

[Paradise Landscapes]

They finally sent me my Dunns number. Now what?

[uniquellc]

They finally sent me my Dunns number. Now what?

now call office depot and get instant approval for 250.00 and staples and get instant approval for 750.00 i did it.... it was easy and i was a sceptic but be smart about this take your time dont rush anything make small purchases and pay right when the bill come long term credit is the goal with this $$$$$ loans very convienent thing we have all come upon .... thanks to willretire@40 btw where has he gone? hasent posted here in a while be wise read everything in this thread and follow what he says to do and you cant go wrong

[bigclawnman]

Kind of got lost in the mess, but do we need to join EXPIRIAN or one of the credit agencies to see out PAYDEX? Thanks.

[Monster Zero]

Thanks for the info.


"Global Warming; It is a SCAM. There is no run away climate change. The impact of humans on climate is not catastrophic. Our planet is not in peril. I am incensed by the incredible media glamour, the politically correct silliness and rude dismissal of counter arguments by the high priest of Global Warming."---John Coleman, Founder of The Weather Channel

[milsaps118]

Kind of got lost in the mess, but do we need to join EXPIRIAN or one of the credit agencies to see out PAYDEX? Thanks.

Yes and No...Your Paydex comes form D&B. No need to join D&B.

Ex reports a "Credit Ranking Score". You need to buy your report from EX to see your Credit Ranking Score.

[uniquellc]

Yes and No...Your Paydex comes form D&B. No need to join D&B.

Ex reports a "Credit Ranking Score". You need to buy your report from EX to see your Credit Ranking Score.


millsap i cant figure out how to check my paydex on d&b iwent to update and then what all i see is e update am i missing something? anyone can help thanks

[milsaps118]

millsap i cant figure out how to check my paydex on d&b iwent to update and then what all i see is e update am i missing something? anyone can help thanks

Yep..Go to eupdate and view your credit file. Entrer your DUNS # and PW, if you don't have an account just creat one.

[grass-scapes]

you also have to request a password to view or make changes to your report.

www.dnb.com/eupdate

[LandscapeMember]

Is a Experian score of 92 a good number?

I have a dispute of $50 radio/telecommunications on my DNB report. They will not give me the name of the creditor. I called Verizon and Sprint and they said my payment history is excellent. Score is 78... is this a bad score? It will go up once that 33 days past due is deleted. All other tradelines are great.

Also... I have 5 business cards all without PG and only 3 are showing. Again, DNB will not tell me which ones are reporting. Then they tried to push that credit builder program. They wanted $599 then 20% off. I kept telling them no. They definitely hire pushy sales people. They do not take no for an answer. I would never spend that kind of money.

[grass-scapes]

I had the same issue with telecommunications. Maybe its the phone company. I disputed that charge, but found out they automatically dispute several items at once and they all come off of your report which shows your tradelines as being less. I had disputed a bill with Bellsouth and they reported it. It was over 2 grand. I paid it, but dnb reports it as 35 days late and it dropped my score from 80 to 62. It took 2 months for it to come back, so I am going to dispute it again.

the reason for the big drop is that my other tradelines are only reporting 2 grand or less each, so that phone bil lis a significant chunk. I have lots of other credit without PG, but none of them report. If I paid D&B that 599, they will report them, but ONLY if I pay and THEY verify the info.

Nope.

[LandscapeMember]

Grass-Scapes... how long did it take to get the bad tradeline removed?

DNB reps are unbelievable... if you pay the $599 will they list the individual creditors? Is my Experian score of 92 good?

[grass-scapes]

Grass-Scapes... how long did it take to get the bad tradeline removed?

DNB reps are unbelievable... if you pay the $599 will they list the individual creditors? Is my Experian score of 92 good?


ABout a week to get it removed, but its only temporary. what you get when you pay money to D &B is YOU tell THEM who you have credit with, up to a certain number. Then, they call that creditor and get verification of the debt, and payment history, then, they put that on your dnb report. It never updates because the company never actually reported it. So, lets say you had a truck loan with a company that doesn't report to DNB. You would call DNB with all the info you could provide, they would call this creditor, verify info and report the tradeline amount and your payment history.

Now, don't think you can do this yourself...they will not accept it...I tried. You HAVE to pay them money to get it done and they have to be the ones to call. They will not even accept a creditor calling them unless they report everyones unless YOU pay.

[racer56]

We are starting over as a llc in the morning. How long do we need to waituntil getting the Staple and Office Depot accounts set up? I didn't know if it was next day or next week or longer even. Do we want revolving account or net 30? Just want to build business credit itself all we really want it a 66 gas crad only. The rest would just be to get to that point.

[jphag]

Just wanted to let you know I have read every post to this thread but have a question.

O.k so I got my duns # the other day

1. Do I want to register with the CCR website?

OR

Do i just start applying to staples, office depot, etc.

Thanks

[grass-scapes]

Just wanted to let you know I have read every post to this thread but have a question.

O.k so I got my duns # the other day

1. Do I want to register with the CCR website?

OR

Do i just start applying to staples, office depot, etc.

Thanks

You register on the CCR website if you want to do any business with the government. IF that doesn't interest you, no need to register

[jphag]

You register on the CCR website if you want to do any business with the government. IF that doesn't interest you, no need to register


Thank you,

John

[jphag]

Questions?

1. I started my business back in 99 as a sole prop but went LLC in 07. I listed on my duns app that I started my business in 07.

Question is? When filling out credit apps do they compare what I put on my duns app to see if its the same as I put on my credit app. I don't want to raise any red flags when it comes to my application. I am just concerned because why would staples want to give credit to a (me) a new company just starting out.

Question is? Is there any way I can update the info on my duns app?

[jphag]

Questions?

1. I started my business back in 99 as a sole prop but went LLC in 07. I listed on my duns app that I started my business in 07.

Question is? When filling out credit apps do they compare what I put on my duns app to see if its the same as I put on my credit app. I don't want to raise any red flags when it comes to my application. I am just concerned because why would staples want to give credit to a (me) a new company just starting out.

Question is? Is there any way I can update the info on my duns app?

three more qusetions?

1. TIN and EIN is the same. Correct?

2. I don't ever use my duns # if propmted to use my TIN or EIN. Correct?

3. When applying to staples is net 30 better than the revolving? Correct me if I'm wrong but I want to get some net 30s reporting as soon as possible before getting a revolving credit line which in turn will lead to bigger and better credit lines. Am I right?

Thanks for the input.

[milsaps118]

three more qusetions?

1. TIN and EIN is the same. Correct?

2. I don't ever use my duns # if propmted to use my TIN or EIN. Correct?

3. When applying to staples is net 30 better than the revolving? Correct me if I'm wrong but I want to get some net 30s reporting as soon as possible before getting a revolving credit line which in turn will lead to bigger and better credit lines. Am I right?




1. TIN and EIN is the same. Correct?

CORRECT

2. I don't ever use my duns # if prompted to use my TIN or EIN. Correct?

CORRECT

3. When applying to staples is net 30 better than the revolving? Correct me if I'm wrong but I want to get some net 30s reporting as soon as possible before getting a revolving credit line which in turn will lead to bigger and better credit lines. Am I right?

Slow down now. I use a revolving w/Staples. With net 30 you'll have to PIF every time you get the statement. It's up to you what type of account you want, either way, First establish some TL's so they start to report. Your going to need some TL and perfect payment history reporting to D&B before anyone is going to consider a LOC or a Major Co-Branded CC to your biz.

[jphag]

1. TIN and EIN is the same. Correct?

CORRECT

2. I don't ever use my duns # if prompted to use my TIN or EIN. Correct?

CORRECT

3. When applying to staples is net 30 better than the revolving? Correct me if I'm wrong but I want to get some net 30s reporting as soon as possible before getting a revolving credit line which in turn will lead to bigger and better credit lines. Am I right?

Slow down now. I use a revolving w/Staples. With net 30 you'll have to PIF every time you get the statement. It's up to you what type of account you want, either way, First establish some TL's so they start to report. Your going to need some TL and perfect payment history reporting to D&B before anyone is going to consider a LOC or a Major Co-Branded CC to your biz.

Thank you. Can you answer my question to post #624

[paydex]

Questions?

1. I started my business back in 99 as a sole prop but went LLC in 07. I listed on my duns app that I started my business in 07.

Question is? When filling out credit apps do they compare what I put on my duns app to see if its the same as I put on my credit app. I don't want to raise any red flags when it comes to my application. I am just concerned because why would staples want to give credit to a (me) a new company just starting out.

Question is? Is there any way I can update the info on my duns app?

it is good you told d&b the truth. you know why? because they verify with the secretary of state's website if the information you told them is correct.

write the date the biz started on your app for business credit. if the underwriter asks you, you can explain that thats when your business was started, and that you converted to an LLC in '07.

also realize that '07 could be 01/07 or 12/07. which means that since we are in '08, its not like you opened last month...

[paydex]

Yes and No...Your Paydex comes form D&B. No need to join D&B.

Ex reports a "Credit Ranking Score". You need to buy your report from EX to see your Credit Ranking Score.

known as "intelliscore" from experian.

if you ask for a catalog from companies such as Oriental Trading, this will help you get into experians database.

[paydex]

Is a Experian score of 92 a good number?

I have a dispute of $50 radio/telecommunications on my DNB report. They will not give me the name of the creditor. I called Verizon and Sprint and they said my payment history is excellent. Score is 78... is this a bad score? It will go up once that 33 days past due is deleted. All other tradelines are great.

Also... I have 5 business cards all without PG and only 3 are showing. Again, DNB will not tell me which ones are reporting. Then they tried to push that credit builder program. They wanted $599 then 20% off. I kept telling them no. They definitely hire pushy sales people. They do not take no for an answer. I would never spend that kind of money.

D&B will not tell you who is reporting. this is even if you do pay the $600 ahem, fee.

78 is a great score... you would probably be 80 or even 85+! without the late showing...

this is because your paydex is based on the number of days it takes you to pay your bills. so if you pay your bills early, you get a better score then if you pay on time.

this is an important oiece that many people don't seem to realize! in personal credit (fico), paying on time is what matters. in business credit, paying EARLY is better then paying on time.

[paydex]

We are starting over as a llc in the morning. How long do we need to waituntil getting the Staple and Office Depot accounts set up? I didn't know if it was next day or next week or longer even. Do we want revolving account or net 30? Just want to build business credit itself all we really want it a 66 gas crad only. The rest would just be to get to that point.

staples is easier then office depot. if you are 411 listed as a business and incorporated, staples should start you with $750 right away.

did you order anything from NEBS? that should always be your first stop! (or unline if that is more up your alley- at least order a catalog from them!)

www.uline.com
www.nebs.com

[paydex]

I opened a HD Comm'l revolving account last summer (May/June) and got instant approval for 5K, after 3mo with small charges and paying them in full before the due dates, they gave me a CLI of $1500 w/o me requesting. My first card was Staples, then Office Depot, then HD.

So far I have:

1-Staples 2K
2-OD 2K
3-HD revolving 5K CLI after 3mo $6500
4-Lowe's $1500
5-Northern Tool $10K
6-Office Max $6500
7-Shell Fleet 7K
8-Unsecured HD Master Card $25K

That's $60,500 of unsecured credit with no PG! Holy Sh!T! I'm gonna have to bury these in a hole so I don't get crazy with all this. It could get dangerous fast!

All kidding aside....just remember, even though you get approved for all these cards DO NOT fall in the credit card trap! Use this to build a good D&B portfolio. Build your business credit to put you in a good position to apply for the good stuff like opening lines of credit, small biz loans, comm'l auto loans/leases, ect. These store cards are pettily and don't mean jack. They don't give you access to real working capital (cash), they only allow you convenience to make purchases at their stores with flexible terms.

I started out small gaining more and more store cards. Waited till they reported to D&B, watched my Paydex move from 40 to 90, then made my move to apply for the Home Depot Master Card. I waited till I had at least 5 TL's reporting and I was lucky enough to have a Paydex of 90 before I even thought twice about applying for it.

Some of my keys to success so far:

1-Reading this entire thread(thanx WILLRETIRE@40)
2-Be patient
3-Slow smart moves
4-Make small, small purchases and PIF before the due dates
5-Watch your D&B file and Paydex.

Be smart about this and think it out before you make your next move. Ask your self where you want to be long term, and not what your gonna buy with your credit today.

My next move, IF I need it will be a small biz LOC (line of credit) or a SOHO loan from these guys. http://www.innovativebank.com/. Requires NO PG, but you have to have a solid D&B file and show financials. It's always good to know your financial options.

Build your business credit up and establish a solid financial portfolio for your business. Work hard, be smart, and you'll be successful.
Good Luck!:drinkup::drinkup:

milsaps118: wow! very impressive! and I especially agree with the "dont fall into the credit trap" part!!

much good advice and gold nuggets in your post!

[bigclawnman]

I started reading this post way to late. I was able to get 2 credit cards but thinking back on it I used my SSN to get them. Of course I did the credit card trap thing, a long story, but basically I went from part time to full time and was not well equiped. So...here comes the credit card. Anyway got behind, ove the limit, now catching up, but being wiser.

I have been following the thread and been more studious of what i am doing. I do have my DUNS number, LLC with the EIN, $2000 from Staples, $250 from Office Depot, $300 from NEBS. Got turned down by shell, because they wanted a PG (forgot the reason). So now just trying to get things turned around.

Any more advice PAYDEX?

Thanks

[milsaps118]

milsaps118: wow! very impressive! and I especially agree with the "dont fall into the credit trap" part!!

much good advice and gold nuggets in your post!

Paydex, Thanks. From the time I posted that till now, Office Max has given me a CLI for another $2K. I didn't even ask for it, nor have they notified yet. I just noticed it the other day when I logged on to my account and seen the increase.

[jphag]

I can't remembered which post this was but to check you dnb report these were the instructions.

1. go to dnb.com
2. go to bottom left side
3. update profile
4. log in
5. view credit file
6. click on yellow screen and scroll down

When I go to dnb.com and look in the bottom left side there is no place to update profile. Have they changed the website since these instrucion were posted? A Little help would be appreciated.

Thanks,

[grass-scapes]

I can't remembered which post this was but to check you dnb report these were the instructions.

1. go to dnb.com
2. go to bottom left side
3. update profile
4. log in
5. view credit file
6. click on yellow screen and scroll down

When I go to dnb.com and look in the bottom left side there is no place to update profile. Have they changed the website since these instrucion were posted? A Little help would be appreciated.

Thanks,

You have to request an eupdate password. This will let you log into the view report screen each time.
go to www.dnb.com/eupdate not the main page. You will see the link there to register and get your password. Simple.

[GatorLawnCare]

whats a dnb rating of SR$ Mean?

[jphag]

You have to request an eupdate password. This will let you log into the view report screen each time.
go to www.dnb.com/eupdate not the main page. You will see the link there to register and get your password. Simple.

Did it! Thanks!

[paydex]

I started reading this post way to late. I was able to get 2 credit cards but thinking back on it I used my SSN to get them. Of course I did the credit card trap thing, a long story, but basically I went from part time to full time and was not well equiped. So...here comes the credit card. Anyway got behind, ove the limit, now catching up, but being wiser.

I have been following the thread and been more studious of what i am doing. I do have my DUNS number, LLC with the EIN, $2000 from Staples, $250 from Office Depot, $300 from NEBS. Got turned down by shell, because they wanted a PG (forgot the reason). So now just trying to get things turned around.

Any more advice PAYDEX?

Thanks

are you 411 listed?

take a look at www.bhmh.net as well for some ideas :D

[jphag]

Paydex,

I noticed your websites at the bottom of your signature. Why are you selling something about the information that is and can be discussed in this thread.

[bigclawnman]

How do I know if I am 411 listed? Where do I go to find out? How do I list it?

[grass-scapes]

www.411.com

Usually, if you pay for advertising to the phone company, you are listed.

If you use a cellphone and have other forms of advertising, you aren't unless you do it yourself.

[bigclawnman]

www.411.com

Usually, if you pay for advertising to the phone company, you are listed.

If you use a cellphone and have other forms of advertising, you aren't unless you do it yourself.

Hey thanks a lot. Will go check it out.

[paydex]

411.com is not 411.

to get yourself listed as a business, try List Yourself. its free.

http://www.listyourself.net

[Indysfinestlawnservice]

Ok I just applied for a business card at staples and they want me to fax them a business license...I only have my LLC paper work from the state but she said it has to be a license?????

[grass-scapes]

Ok I just applied for a business card at staples and they want me to fax them a business license...I only have my LLC paper work from the state but she said it has to be a license?????

So, go to the city and get a business license. You should already have one if you are doing business in the city or in an area that requires one.

[Indysfinestlawnservice]

So, go to the city and get a business license. You should already have one if you are doing business in the city or in an area that requires one.well according to in.gov I am not a business that they require to have a business license and a LLC..Im just gonna fax my LLC paperwork

[old oak lawn]

well according to in.gov I am not a business that they require to have a business license and a LLC..Im just gonna fax my LLC paperwork

LLC paper work is not a business license. you need a license for the county/town or city your business address is in. go down to court house and tell them you need a business license and they will tell you what office to go to and how many. renewed mine last week $45.00 30 min time. first time was about 2 hours and $55.00. and yes i an a llc.

[grass-scapes]

Business license here is based on a your gross sales. Base rate is $50 bucks and only up from there. Most municipalities require a business license. Here, even the panhandlers are required to have a business license. Most of them don't..... Did the city really think they would go get one?

[grntmbfisher]

I'm trying to build my business credit right now and was wondering where you guys found the application for nebs? all I could found was a registration to pretty much keep my information on file.

[psychodoe]

Just call them they can fax it to you or you can order something and pay for it in full. Then they will open a net 30 for you after that. Thats what they did for me.

[customcurbdesigns]

I went to the staples site, and went to the credit card section. It doesnt ask about the # though? Where is it supposed to be entered or only enter the FEIN?

[grass-scapes]

I went to the staples site, and went to the credit card section. It doesnt ask about the # though? Where is it supposed to be entered or only enter the FEIN?


you NEVER have to enter your duns number on applications (well, there are a few exceptions). It is linked to your business, just like your credit report personally. Just enter your ein and when they report, it goes to that number.

[customcurbdesigns]

I got a code 26 from staples...is this denied or ?

I just got the # today and tried to apply today. Was that a bad idea?

[grass-scapes]

I got a code 26 from staples...is this denied or ?

I just got the # today and tried to apply today. Was that a bad idea?


Just call the number it gave you. If it denies you now, wait for a month or so and re-apply.

[milsaps118]

I got a code 26 from staples...is this denied or ?

I just got the # today and tried to apply today. Was that a bad idea?

26 Approved. Just call, they want you to verify business name ect....

[RedWingsDet]

if you apply after 8pm or so, can you call at that time to verify, or do you have to wait for the normal business hours?

thanks

[customcurbdesigns]

if you apply after 8pm or so, can you call at that time to verify, or do you have to wait for the normal business hours?

thanks

There only open mon-fri.

[customcurbdesigns]

I guess I had a # already so I applied at staples the same day I actully got the #, was told to call.

Just got approved for $750.00 no personal info on there at all. Just name address and business name.

[LandscapeMember]

I received two pre-approved business cards from Advanta and Chase... both have you enter a pg SSN, but do they run it?

Has anyone had any luck with them?

[grass-scapes]

I received two pre-approved business cards from Advanta and Chase... both have you enter a pg SSN, but do they run it?

Has anyone had any luck with them?


yes, they will run it. If you shutter your business, or lose it all, you will still be responsible for those cards.

[milsaps118]

I received two pre-approved business cards from Advanta and Chase... both have you enter a pg SSN, but do they run it?

Has anyone had any luck with them?
Advanta is a hard pull and is tuff to get unless you have really good credit and a FICO of at least 700.

[garydale]

"Capital One" has been great to us.
www.capitalone.com/smallbusiness(1-800-867-0904)

[bdk2406]

Hi,
I just applied for a duns number this week, today a lady form d&b called me and is trying to sell me the credit builder from them, she says that if you don't use the credit builder that d&b puts a statement on the top of your duns credit report stating that all information is not verified or something in that matter.
My question is, is this true or should I just get the free number and not worry about the $299 credit builder that they offer.
All insight will be appreciated.

[jphag]

When the DUNS people call, what is the best thing to tell them so they will stop calling you?

I know from all the replys to this post that you should never buy the credit builder from them.

What are some things you have told them so they quit calliing or is this something we have to deal with to have the DUNS #?

[bdk2406]

Thanks for the reply, I have not bought the credit builder from them I told them that I had to decuss it with my partner.
So if the call again, I will just ask them if it is needed to get the number and tell them no to the credit builder. :)

[jphag]

Thanks for the reply, I have not bought the credit builder from them I told them that I had to decuss it with my partner.
So if the call again, I will just ask them if it is needed to get the number and tell them no to the credit builder. :)

You do not need to pay for the #. They will send it to you. It usually will be done the next day.

[lawnman_scott]

Is there a certain time of having active accounts in good standing that will add to your credit score? The reason I ask is that I had a yellow page ad reporting for about five years before knowing anything about credit, then when this thread came about I was one of the first to do everything in it. My experian score has always been good, about 87-93 every week. In the last month it has stayed at 99. I havent done anything different, just wondering if there was some reason for the jump.

[customcurbdesigns]

I got staples with no issue, then I tried lowes with no luck and dell with no luck. Why is this?

[lawnman_scott]

I got staples with no issue, then I tried lowes with no luck and dell with no luck. Why is this?
What I did when I got my first cards was use them every month, then pay them off. And dont try to get them all at once. Go slowly, I beleive lowes wants 6 months of reporting. Not sure on dell, I have that and no reason to use it as their products and service is crap.

[cpel2004]

Lowes is less than six months 3 months or more. Thats a fact at least with me.

[cpel2004]

Has Dnb stop offering the free paydex score. I was just on their site and it appears that you have to pay 27.00 to get your score Pay Dex score

[lawnman_scott]

Has Dnb stop offering the free paydex score. I was just on their site and it appears that you have to pay 27.00 to get your score Pay Dex scoreI never used dnb, I look at exprerian smartbusinessreports.com. You have to pay for it but its like $99 a year or $14 a month I think.

[Monster Zero]

Question: If I establish and use credit for my business will it show up on my personal credit report?

[Hoss315er]

I read all this pages to have to see this post?

do not use ss# in business credit aps.

[jphag]

I read all this pages to have to see this post?

do not use ss# in business credit aps.

no, use you EIN from the IRS

[nherweck]

D&B sent me my DUNS number, but the email says that I need to register with CCR(?). This is a quote from my email:
CCR registration at www.ccr.gov (Click "Start New Registration") CAN BEGIN AFTER 24 HOURS. For US ** FEDERAL ** Government contractors, failure to register your DUNS Number in CCR within 30 days may cause D&B to deactivate your DUNS number.
Do I really need to worry about D&B deactivating my number? Or can I go without registering with CCR?

[nherweck]

I actually got approved today for a $750 limit with Staples. Woo hoo! This seems to be working already. Thanks for the tips!

[A1Lawns]

<<Just got approved for a Staples card..>>

Does anyone have a list or a good place to find out which businesses offer business credit cards?

Any input would be appreciated.

Thanks!

[A1Lawns]

I always get mail advertisements offering high credit lines to use for my business but usually you need to have collateral (home,etc) to get these loans.

Is there another way to get business 'line of credit' loans without collateral?

[menefeeoutdoorservices]

I've gone to the D&B site to sign up for a password to check my score but I get the following email:

We have received your request for a D&B eUpdate password, but are
unable to process it without additional information.
Please have a principal of the business contact our Customer Resource
Center at 1-888-814-1435 Monday-Friday 8:00 AM - 6:00 PM Local Time to
request a D&B eUpdate password or obtain further assistance if needed.


When I try to call to find out why I get this message they try to sell me the pkg and won't give me a password. Anybody else ran into this?

[woodbutcher44]

I got my dnb # and tin applyed for stapels and had to call them. They want a phone bill or some thig to verify my adress. Will they still aprove if the verified item is in my personal name?
code 26 (good)

[grntmbfisher]

If you have just started to build your business' credit then you will more than likely not be approved for most cards. I opened my first account 2 or 3 months ago. Now I have 2 revolving accounts and 2 net 30's. I just received a credit card from First Equity with a $1000 limit but the interest rate is really high (22%). Other than that I've filled out a bunch of credit card applications looking for one with 0% or low introductory interest but they have all said the same thing: You need more accounts or the accounts haven't been reporting for a long enough period.

Here's a site to compare cards.

http://www.creditcards.com/business.php?a_aid=1001&a_cid=1030&a_did=1069&CMP=KNC-YahooPaid

[woodbutcher44]

Ive just started the lawn service . had a tree service for years but cant climb any more .
went 9 months unable to work and distroyed my personal credit.
Found this thread and read every single post (nearly 3 hours) some of the best stuff Ive found on the site.
Ive got to keep every thing devided or it will be years before I can get strait or good equipment.
my insurance is in the tree service name for 5 more months (prepaid for a year)
I have a dnb# with the tree servuce but didnt know it .Its sh1t now any way

[woodbutcher44]

Ive just started the lawn service . had a tree service for years but cant climb any more .
went 9 months unable to work and distroyed my personal credit.
Found this thread and read every single post (nearly 3 hours) some of the best stuff Ive found on the site.
Ive got to keep every thing devided or it will be years before I can get strait or good equipment.
my insurance is in the tree service name for 5 more months (prepaid for a year)
I have a dnb# with the tree servuce but didnt know it .Its sh1t now any way

[nherweck]

grntmbfisher - Watch out for First Equity--they've raised my rate, 3 times since June. I signed up with a rate of 22%, and I'm now up to 26.xx%. It's crazy!

[grntmbfisher]

Thanks for the heads up. That's insane, 22% is bad enough.

[JimSolo73]

Read through this whole thread the past few days and learned alot lol.
I have since applied for my DnB# online and received that.
I waited the 24 hours as it says then went to CCR.Gov and signed up their.
After all that I went to this site as suggested http://smartbusinessreports.com/
They had no record of my business anywhere in the search thingy so I'm not sure whats up with that...anyhow I went to Staples and Office depot online and applied for both revolving business accounts.
Staples made me fax in a proof of address for the business and I havent heard back from them yet I am assuming it will go through since I got the approve code (26 I think it was?) but on Office Depots I got the 25 code which after calling meant that I needed to have a PG before they would approve me.
Does anyone know any others that are easy to get right away?
Also do i need to make purchases on the ones I do get to get my credit moving or does just having them on my report with 0 balances for a period of time enough?

[nherweck]

Does anyone know if the CCR.gov registration is actually required? Will D&B actually deactivate my DUNS number?

Thanks!

[JimSolo73]

They said that on mine also.
I went ahead and did it. Took me like 5 minutes to complete.
Its pretty straight foward just alot of repetative input. it will ask for contact names addresses and numbers like 20,000 times lol.

Also I was wondering how DnB connects you to your Tax ID number because it never asks for it anywhere...I wonder if they just look you up on some secretary of State database somewhere? I hope not because my business name isnt listed Exactly like how I registered it as an LLC.
Anyone think that will cause a problem?

my business names is listed as: lawnbarbers property Services LLC
my EIN# shows: lawnBarbers LLC
both use same address

[milsaps118]

CORRECTION ON CODE 26

I posted on here a while ago about getting a CODE 26. This DOES NOT mean an approval, as I stated in an earlier post. I was just informed by an insider that a CODE 26 is an APPROVAL PENDING. Your chances of approval are good, pending the info they want to verify with you.

From what I was told a CODE 28 = APPROVED

Hope I didn't misinform anyone who read my previous post.:drinkup:

[milsaps118]

I got my dnb # and tin applyed for stapels and had to call them. They want a phone bill or some thig to verify my adress. Will they still aprove if the verified item is in my personal name?
code 26 (good)

I think if they only need to verify an address you'll get approved. Staples is pretty easy to get. Just make sure your company name reflects on what ever you send them.

[woodbutcher44]

Great then Ill send the info to them.

[milsaps118]

Also I was wondering how DnB connects you to your Tax ID number because it never asks for it anywhere...I wonder if they just look you up on some secretary of State database somewhere? I hope not because my business name isnt listed Exactly like how I registered it as an LLC.
Anyone think that will cause a problem?

my business names is listed as: lawnbarbers property Services LLC
my EIN# shows: lawnBarbers LLC
both use same address

SOS sends company info to D&B. If D&B reports it incorrect then just update it yourself. Either way I wouldn't worry to much about it.

[RedWingsDet]

for some reason i cant figure out how to check my score on the dnb site? could someone give me the rundown on how to check it?

I did it once before and forgot how, I have read through the thread once, but I was going quite fast so I may have skipped past it. Thanks!

[tsi guy]

just to let you guys know, that office depot wants a personal gaurentee now. they said there policies changed 2-1-08. Ihave the staples card, but I'm looking for one more line of credit. any ideas?

[JohnsonLawn]

Stumbled onto this thread last night and did just as willretire@40 said. This morning I was approved for a $3000 staples business card. Holy cow!

[srqlawn]

Did Staples require any "personal guarantor" info?

[JimSolo73]

I got mine as well...$750 Staples revolving.
I went out and bought meself 500 b/w flyers (1000 since i lade it out 2 per)
and 100 color flyers. I put it on the staples card for like $170 i think so ill be paying that off before the bill comes in to get my score going up :)

Not sure who ima apply for next though...I think ill call up uline and nebs next then let those ride for about 3 months and try Lesco. Then maybe in six months ill hit up Shell and Lowes or HD

@srqlawn
No they didnt ask me for one but they did want to see proof of my LLC. Staples is the easiest one to get all you need is your tax ID. I dont know if it matters or not having a DnB number because they never asked for it. It would still be good to have though because it is tied into your tax ID somehow that i cant really explain. It would also be good to have handy:
Proof of business address, proof of incorporation from your Sec of state, and get listed on 411 as stated farther back in this thread.

[JohnsonLawn]

Did Staples require any "personal guarantor" info?

Nope, just my EIN#. I applied last night with an online application and it said to call because they needed to verify some info on the account. Called this morning, answered a few questions and the gentlemen tells me I have been approved for 3 grand. I was very, very easy.

[srqlawn]

I am definitely going to look into this....my personal credit is shot (divorce). Never know how powerful good credit is until you don't have it anymore.

[JohnsonLawn]

You can have your first card in the mail in a matter of 30 minutes. Its that easy!

[srqlawn]

Went online to apply for my duns number and it said one already existed for my business....requested it be sent to me and got it in an email in less than a minute.

Strange....?

[JimSolo73]

no...convenient

[nherweck]

VERY convenient. Sorry, had to post. I'm a tad bored at work.

[lawnsbybrown]

willretire@40 im trying to figure out how to pm u about this I have a ein, duns number, 750 staples and I have a few questions regarding this. pm me or something

[topsites]

I am sorry but this whole thread reeks of taking advantage of a system intended for large, publicly traded corporations. I don't think Dunn & Bradstreet was made for small, owner-operated affairs, but rather for corporations without an owner.

It makes perfect sense, why would any small owner-based operation need credit beyond personal, this stuff is for companies with boards and members, where no one person could possibly be able to guarantee payment. Because if your credit is shot, no matter what the reason, that it works I will not argue but once D & B finds out what you've been up to I just don't see the good news coming.

[grass-scapes]

I am sorry but this whole thread reeks of taking advantage of a system intended for large, publicly traded corporations. I don't think Dunn & Bradstreet was made for small, owner-operated affairs, but rather for corporations without an owner.

It makes perfect sense, why would any small owner-based operation need credit beyond personal, this stuff is for companies with boards and members, where no one person could possibly be able to guarantee payment. Because if your credit is shot, no matter what the reason, that it works I will not argue but once D & B finds out what you've been up to I just don't see the good news coming.


Because you can't grow to a larger company without being able to leverage credit in your favor. Once you get one or maybe two auto loans, a mortgage, and a few personal loans on your personal credit, you won't get much more with the current credit scoring system. You will be maxed out.

With the business credit, you are able to get the items you need to grow your business. Granted, there are those that will abuse the info used here, but a legitimate business will not.

[DoetschOutdoor]

Topsites is one of those people that are always going against using any kind of credit.

[Innovative Landscape Design, Inc.]

Normally no more then two days if you went through gov website.

willretire can you please PM me when you have a moment I am new to the forum and have some questions I would like to discuss with you personally. Thank you for your time and have a great weekend.

Charles

[willretire@40]

Business credit is getting harder to obtain as the banks are tighting up on there guide lines. The main thing with business credit is it does not report to your personal credit unless you default even accounts that you personally guarntee will not report. If you have good credit (700 and above) you can get just about any business card out there. Dont use to much of your credit b.c the economy is getting tight so watch your back. If you want equipment and you have decent personal credit (650 and up) use sheffield but make sure you use there commerical app and the same with yard card so that it will not show up on personal credit.

[willretire@40]

Topsites you will always go against the grain. If i say the sky is blue you will try to tell me something different.

[willretire@40]

I always get mail advertisements offering high credit lines to use for my business but usually you need to have collateral (home,etc) to get these loans.

Is there another way to get business 'line of credit' loans without collateral?

You can get LOC with no doc up to $50k if your scores are atleast 700 and you been in business for 2 years from most major banks.

[Innovative Landscape Design, Inc.]

Are there any CC one can obtain without a DNB, but with their EIN#

[Innovative Landscape Design, Inc.]

Also, if one is to obtain the DNB# and EIN# and obtain this under a SP business, this same individual would need to obtain a new EIN# if later incorporates correct?

[Innovative Landscape Design, Inc.]

Stumbled onto this thread last night and did just as willretire@40 said. This morning I was approved for a $3000 staples business card. Holy cow!

Just out of couriosity have you had a business for a length of time? Doesn't seem feasible to read a thread and less then 24 hours later be approved for $3000.00 when it takes 2 days for a DNB#. Advise how this happened.. Thanks

[Innovative Landscape Design, Inc.]

Well, I applied to Staples as I have had an EIN# for well over a year but no credit under it and received a CODE 26.. Gonna call Monday and see what happens..

[lawnman_scott]

Just out of couriosity have you had a business for a length of time? Doesn't seem feasible to read a thread and less then 24 hours later be approved for $3000.00 when it takes 2 days for a DNB#. Advise how this happened.. ThanksMaybe he has been in business for a while. When I first found this thread I had had a d&B number but never knew about it.

[JohnsonLawn]

Just out of couriosity have you had a business for a length of time? Doesn't seem feasible to read a thread and less then 24 hours later be approved for $3000.00 when it takes 2 days for a DNB#. Advise how this happened.. Thanks

I have been in business since 2000, but never had any business lines of credit. All of my credit to date has been through my personal credit, which is less than desirable as of late. I can understand your confusion about how easy it is to get the credit that is being described in this thread, but I did just as was written here. I applied online using my EIN#, not my S.S # and I WAS approved over the phone for a $3000 limit on a Staples Business card. I will be very surprised if you do not get approved also, I just think the phone call is a formality. I hope this shed some light on things. Good luck

[Innovative Landscape Design, Inc.]

Maybe he has been in business for a while. When I first found this thread I had had a d&B number but never knew about it.
OK, I am actually applying for my DnB Monday..
I have been in business since 2000, but never had any business lines of credit. All of my credit to date has been through my personal credit, which is less than desirable as of late. I can understand your confusion about how easy it is to get the credit that is being described in this thread, but I did just as was written here. I applied online using my EIN#, not my S.S # and I WAS approved over the phone for a $3000 limit on a Staples Business card. I will be very surprised if you do not get approved also, I just think the phone call is a formality. I hope this shed some light on things. Good luck

yeah I kinda figured you were in business for a while.. Glad to hear all is going smoothly and we will see Monday what Staples has to say.. Thanks guys

[fiveoboy01]

Odd, I went to dnb's eupdate page to check my credit and it's blank. It wasn't last time I checked a couple months ago.

Any ideas why it may be doing that?

Also, my next question is what would be a good card to apply for next? I've had Staples and Office Depot for well over a year, always paid on time and never been over the limit. I'd like to apply for something else but no personal guarantees.

[lawnman_scott]

Lowes or home depot would be good ones to apply for next. Or any gas card.

[milsaps118]

Odd, I went to dnb's eupdate page to check my credit and it's blank. It wasn't last time I checked a couple months ago.

Any ideas why it may be doing that?


I went to check mine last night and it was blank also. Weird:confused:

[fiveoboy01]

Well I applied for Home Depot revolving and they wanted a PG... No Lowes around here. Guess I'll try something else.

[Innovative Landscape Design, Inc.]

Well, I just wanted to update everyone as I applied at Staples on Saturday and received a CODE26, I called today and yes I did receive a $750.00 line of credit. I also just spoke to DnB and got my D-U-N-S number right over the phone with no hassles. I also applied at Office Depot and was approved with no personal guarantee, but got disconnected so do not know my credit line amount..

I will use these sparingly, pay them down when the bill comes in then continue to build.

[Innovative Landscape Design, Inc.]

Ok, just got off the phone with Office Depot and they said sorry you ahve no credit reporting so you need to Guarantee it.. I said no thanks I will stick with Staples.. So any other credit that is feasible getting now or should I wait a couple months?

[cpel2004]

Yes that is correct Office Depot no longer gives starter credit must have tradelines already reporting. I dont know the exact amount of TL's they are requiring you to have any more.

[cpel2004]

Five O Boy how many TL did you have and the how long have they been established, before you applied to Home Depot? What card did you apply for HD Private label or HDMC?

[fiveoboy01]

If by tradelines you mean number of credit accounts in the business' name, two. Staples and Office Depot. D&B has my Paydex score at 75.

I applied for the HD private label revolving account, not the master card.

[paulycorp]

Hey guys, I need a nice list of some net 30 accounts that I can get and report quickly. I have looked through the thread but the lists are old and some sites aren't even around anymore. thanks

[TLClandscaping]

OMG, has anyone registered on CCR? I got my DUNS # & was told by the woman to register on CCR, crazy!

[Innovative Landscape Design, Inc.]

OMG, has anyone registered on CCR? I got my DUNS # & was told by the woman to register on CCR, crazy!

Yup, I registered with CCR only took about 5 minutes to do...

[Innovative Landscape Design, Inc.]

First question is for those that have setup a N30 with Nebs, did you have to call in and set this up?

Second is I am trying to access Lesco and am told their website does not exist any longer, is anyone else having this same issue?

[fiveoboy01]

Lesco was bought by John Deere.

[Innovative Landscape Design, Inc.]

Lesco was bought by John Deere.

OK, but I was just on their website last night and signed up for an account and now today their site no longer exists..

[TLClandscaping]

Well that makes sence now, last week I made a business account with what I thought was Lesco and got a call from John Deere with a welcome to John Deere.......

[Innovative Landscape Design, Inc.]

Well that makes sence now, last week I made a business account with what I thought was Lesco and got a call from John Deere with a welcome to John Deere.......

TLC, did they state if you had a credit account with them or just welcome? It is just so weird last night I signed up got all my info and now nothing..

[TLClandscaping]

Dont know, When John Deere left me a msg on my phone It threw me off track and wondered why they called me and how they got my cell. I been waiting on a reply from Lesco customer service, guess thats not going to happen now. Wonder if Deere will carry everything Lesco had...?

[Innovative Landscape Design, Inc.]

Well, I got a email from Lesco and their site is back up that my account is established with $1000.00 and I also opened a N30 account with NEBS..

[JohnsonLawn]

Just been approved by Dell for $10,000. Applied online and got answer in 2 minutes. No personal info.

[Innovative Landscape Design, Inc.]

Just been approved by Dell for $10,000. Applied online and got answer in 2 minutes. No personal info.

Johnson, you are THE MAN!!! I just actually got off the phone with NEBS and I have a $1000.00 N account with them. i also was told by AMEX to wait until I have 6 months of history reporting and reapply.

So as of today I have:

Staples $750.00
Lesco $1000.00
NEBS $1000.00

And none of these with a PG.. Not bad for a weeks time.. Thanks for all the the help "willretire" and if you can help me with getting LOC quicker please PM me as i do pay for all positive help that is received.. thanks

[Innovative Landscape Design, Inc.]

Just been approved by Dell for $10,000. Applied online and got answer in 2 minutes. No personal info.

Johnson, how did you pull it off? I have just visited the website and it asks for all personal information. Please advise..

[Innovative Landscape Design, Inc.]

Nevermind I found it Johnson...

[milsaps118]

I've been following this Thread from the begining. So far to date I have (with NO PG's):

HD Master Card - 25K
HD Comm'l Revolving - 15K
Lowe's - 1500
Northern Tool - 10K
Office Max - 8400
Office Depot - 2000
Shell Fleet - 7000
Staples - 2000
Dell - 20K

TOTAL - $90,900

[NOOB]

Johnson, you are THE MAN!!! I just actually got off the phone with NEBS and I have a $1000.00 N account with them. i also was told by AMEX to wait until I have 6 months of history reporting and reapply.

So as of today I have:

Staples $750.00
Lesco $1000.00
NEBS $1000.00

And none of these with a PG.. Not bad for a weeks time.. Thanks for all the the help "willretire" and if you can help me with getting LOC quicker please PM me as i do pay for all positive help that is received.. thanks

Did you have to pay for the Duns # or was it the FREE one??

[JohnsonLawn]

I've been following this Thread from the begining. So far to date I have (with NO PG's):

HD Master Card - 25K
HD Comm'l Revolving - 15K
Lowe's - 1500
Northern Tool - 10K
Office Max - 8400
Office Depot - 2000
Shell Fleet - 7000
Staples - 2000
Dell - 20K

TOTAL - $90,900

Are you LLC or sole

[milsaps118]

Are you LLC or sole

Regular Corporation

[lawnman_scott]

Are you LLC or soleyou can get all of those a s a sole prop also.

[NOOB]

Sole
I applied and got a return call wanting me to pay like almost 400 bucks I told him No just give me the free Number and they can Validate at some other time when I have the money
Does anyone have the # that was free or did you pay?

[Innovative Landscape Design, Inc.]

Did you have to pay for the Duns # or was it the FREE one??
NOOB, No I did not pay for anything at all.. You need to read the entire thread and do as "willretire" explains and trust me it works....
Sole
I applied and got a return call wanting me to pay like almost 400 bucks I told him No just give me the free Number and they can Validate at some other time when I have the money
Does anyone have the # that was free or did you pay?

NOOB, again not to be an A**, but your trying to get ahead of yourself.. You need to contact DnB and inform them that you need a new D-U-N-S number to bid on federal contracts, they will then tell you that it is going to take 24-48 hours before you can register with CCR, tell them that is not a problem, but you need to get the number to be able to provide to the contracts you are trying to secure..

Now go READ this thread from page one and good luck...