When we say business funding, additional requirements apply: - Properly structured LLC or Corp - EIN - Business bank account - 2+ years in business if documents are required (sometimes NOT ALL the time) - Bank statements & W-2s help but are not always required Many lenders offer no-doc and new business funding

⚠️ Advanced Strategy — Working as of today. May change at any time. 🔒 Cards That Use This Play All pull from TransUnion: - Apple Card - Upgrade Card - Westgate Resorts Credit Card - CareCredit 🧠 HOW IT WORKS 1. Apply and get pre-approval FIRST 2. Go to TransUnion and freeze 3. Go back and accept the offer ❌ Never freeze before pre-approval ✅ Recommended Order 1. Apple Card 2. Upgrade 3. Westgate(Optional: CareCredit) If stacking, expect freezing/unfreezing — or just pick one.

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Hey everyone, quick question. Has anyone had success disputing or removing a Discover account specifically from Experian? I’ve disputed multiple times and I’m currently escalating with direct disputes and a CFPB complaint. I’m trying to see if anyone has: - Gotten late payments corrected or removed - Had the entire Discover account deleted - Used any strategies that actually worked If you’ve dealt with Discover or Experian before, I’d appreciate any pointers, timelines, or things you wish you knew earlier. Just looking to learn from what worked for you.

Pre-Approvals • Sequencing • Underwriting Logic This guide is designed to help you confidently pre-qualify clients, structure clean data points, and sequence personal funding approvals the right way — whether you’re brand new or already funding at a high level. BASELINE FUNDING QUALIFICATIONS Before you run any pre-approval, the client should meet most or all of the following: ✅ Credit Profile Requirements - Credit Score: - 🚀Minimum 700 - 🚀Ideal 720+ - Late Payments: - 🚨None preferred - 🚨If present → must be 24+ months old - Derogatories: - ❌ No collections - ❌ No charge-offs - ❌ No repos - ❌ No bankruptcies - Inquiries: - ***Less than 3 inquiries in the past 6 months - Utilization: - 🚀 Under 20% ideal ⭐ Utilization Side Note (IMPORTANT):If utilization is high but everything else is clean: - We can pay balances down - Add a temporary tradeline - Use a personal loan to restructure utilization➡️ We can circle back before applying ✅ Credit Depth - Primary Accounts: - 🌟Minimum 5 - 🌟Ideal 7+ - 🌟Not AU-only profiles