Wanted to share my recent credit app spree data points Approvals - Service CU: $24.5k CC + $5.5k LOC (relationship, no docs) - Robinhood Gold: $10k (no HP) - Coinbase One: $10k (no HP) - OnePay: $7.5k (no HP) - Barclays JetBlue: $11k - Amex Blue Business Plus: $2k → transferred $17k from personal BCP for a $19k limit (0%) - Chase Ink Business: Denied for too much available credit → recon approved for $8k SL - BOA Business: $2k SL (30-day review, requested business tax returns) - TD Cash: $20k (used pre-qualification first) - TD Double Up: $10k 0% (swept first TD EX inquiry and reapplied) - BECU Cash Back: $2k → recon to $5k + $3k LOC - BCU Cash Back: $5k (also pre-approved for an auto loan) - Navy FCU: Refinanced auto loan through hardship program to 5% APR for 72 months (no HP) Denials - Navy FCU Flagship (messed up the 2-tab method, plus little account usage) - Truist Business - Citizens Business - Citizens Summit ($30k prequal, didn't accept it and now can't get back through identity verification) - First Tech CU - Alliant CU (bad income docs) - NASA FCU (bad income docs) - Justice FCU (bad income docs, very stingy) - Langley CU (bad income docs) - US Bank Business - Truist Personal Main goal was business funding, but most lenders weren't messing with my 1-year-old LLC. Even with about $5k sitting in each business checking account, business underwriting has definitely tightened up. Thinking about changing my LLC from consulting to another NAICS before trying again in a year or two. The personal 0% cards should hold me over for now. Total new revolving credit: ~$140,500 Data Points - Age: 20 - Personal income: $95k stated - Used edited paystubs for some applications because lenders weren't accepting my OnPay owner-draw payroll - FICO: ~775–800 (highest EQ around 800) - Oldest account: ~2 years 5 months - AAoA: ~1 year 10–11 months - Utilization: 3% - No late payments - No bankruptcies/collections - Hard inquiries before spree: 0 EX, ~3 EQ, minimal TU - Existing revolving credit before spree: ~$40k–45k - Business: 1-year-old LLC

Anybody know how to create verifiable paystubs

Anybody know where I can get some Bank of America tradeline? Nobody got them online or they are overcharging