u can't flip an auto loan into a personal loan bro, they two different products. that auto loan already doin its job for u tho, buildin payment history and addin to ur credit mix. if u need cash in hand that's a separate personal loan application wit Navy. what's the actual goal, u tryna get cash out or lower the payment? drop that here and I'll break down the play 🔋

keep the old one bro don't start over. the age of that llc is worth money when it's time for fundin, banks like seein a business that's been around. just file the update wit ur state to fix the address and phone, grab ur EIN free from the irs if u ain't got one, then open the business bank account in the llc name. make sure the name and address match exactly everywhere so ur business credit file links up right 🔋

that's the exact order bro. one more thing, grab ur duns number from dun and bradstreet too, it's free. skip the paid upsell they push. and before u order from any net 30 ask which bureau they report to first. then u rollin 🔋

yea it's possible bro but it depends on the type of fundin. traditional fundin is based off ur personal credit so a 647 wit lates gon make approvals tough and the terms ugly. revenue based fundin is off ur business revenue so if ur llc is bringin in money u can still qualify even wit the credit not perfect. real play is knock them late payments off first then go for the fundin wit a clean profile. that's how u max the bag 🔋

@J Bell I feel u on wantin to move bro. real answer is yea it's still worth it. at 680 to 700 business credit cards start openin up and most of em pull ur personal but don't report to it, so old lates hurt less there than u think. and while u waitin on the score, start ur business credit file now. EIN, duns number, 3 to 5 net 30 vendors reportin. costs damn near nothin and it ages while ur personal gets right. I dropped the full play in the Gems tab, run that. no revenue right now means revenue based fundin is off the table for the moment but the business card route stays live 🔋

real talk hold off on payin collections while me and my team workin ur report. payin one don't delete it, it just updates to paid and the negative still sits there. let us attack em first. only time payin makes sense is if the debt is wit capital one themselves cause they usually want their money back before they let u back in the door. if that collection ain't cap one, sit tight and let us work 🔋

I gotchu bro. when a deleted account double back the bureau legally gotta send u written notice within 5 days of puttin it back on. most of the time they dont, and thas a violation we attack. other angle is the date of first delinquency Discover reportin across the 3 bureaus, if them dates dont match that whole account can get knocked off. drop which bureau it came back on right here and me and my team gon hit it again 🔋

@Rob Padgett bet. all 3 means we run the same attack 3 times. first move is makin each bureau show proof they sent u that reinsertion notice, if they can't prove it thas a violation and it gets deleted. second angle is the DOFD Discover reportin on each bureau, if them dates don't match it comes off like that. me and my team on it bro, u ain't gotta touch nothin 🔋