After my credit got improved to a 740 across the board I signed up for VIP and IBF. John looked at my current situation and we decided together that my personal stack needed to be worked on before we started on the business stacking.
I have been able to get a personal loan at 0 down for 30k and a personal credit card with a $1,500 limit with starting 0 apr for 16 months, and 0 down using his advice and tutileage. I'm doing things very slow so it doesn't raise any unnecessary attention.
Nothing has been declined so far! Just remember; like cooking a good meal these things take time!