How to Set Up an LLC for Under $100 1. Choose a business name — free 2. Get a business address with Anytimemailbox.com — $9.99/month 3. Register in a state with low filing fees (I used Kentucky for $50) 4. Apply for an EIN number — free 5. Obtain a DUNS number — free 6. Create a logo with Canva — free 7. Set up a business phone number with SmartLine (GoDaddy) — free trial, then $12.99/month 8. Purchase a domain and set up a business email with GoDaddy — $23.76 9. List your business online — free 10. Open a business bank account with Truist Bank — $400 cash bonus Bonus: Use that $400 bonus to start building your business credit.

🚨 PSA 🚨 Just because you paid for credit repair does NOT automatically mean your score will be in the 700’s 💳📉. Some of y’all try to bad mouth my business because your score isn’t where you want it—but let’s be clear: ✅ My services remove negative items (bankruptcies, charge-offs, collections, student loans, medical bills, etc.) ❌ That alone does not guarantee a 700 score 👉🏽 You still have to do YOUR part: - Pay down your credit card debt 💰 - Build your credit profile over time 🏗️ I have clients with everything deleted but still sitting in the 500’s because their utilization is high or their profile isn’t built. Excellent credit must be BUILT—and building takes time ⏳. 💡 If you want a shortcut, you can invest in 2-3 trade lines with limits between $20K–$50K and ages of 5–30 years. That’s how you accelerate results. Let this be the last time I have to explain this 🙏🏽. Credit repair + smart credit building = 700+ score 🚀.

I had a bizarre experience this morning. Normally you can open a dispute via phone for unauthorized hard inquiries. Now they're requiring a letter from the creditor stating they didn't have permission. However, permissible purpose trumps all of that. Has anyone else experienced this?

Quick Game on Business Credit with Bank of America I can drop the full play on how to get approved for up to five business credit cards from Bank of America with just ONE business, with approval amounts ranging anywhere from $10,000 to $50,000 per card. Here’s a quick breakdown of what you’ll need to position yourself for success: Relationship First Establish a business banking relationship with Bank of America for at least 6 months. Maintain average monthly deposits of $5,000–$10,000 during that time. Bank of America looks at relationship banking and internal data. Strong deposit history + time = higher internal credit scoring. The Strategy Once you meet the basic criteria, I can walk you through the full step-by-step process to apply for multiple business credit cards under the same business entity — and potentially get approved for all 5, depending on your profile.

No Credit Check Credit Cards, Loans, or Lines of Credit! Credit Cards: - Tomo Credit Card: No credit check required and offers limits up to $10,000! This card is a great option for those looking to build or rebuild their credit without the stress of a credit inquiry. [Learn more about Tomo](https://www.tomocredit.com/). Loans: - Digital Federal Credit Union (DCU): As a member for at least 180 days, you can apply for a Quick Loan of up to $2,000 with no credit check! This is an excellent opportunity to secure funds in time for the holidays. [More information on DCU Quick Loans](https://www.dcu.org/). - OneUnited Bank: If you maintain an active checking account with OneUnited Bank, you can receive funds within 4 hours of loan approval, all without a credit check. This option is ideal for those needing fast access to cash. [Find out more about OneUnited Bank loans](https://www.oneunited.com/). Line of Credit: - Navy Federal Credit Union (NFCU) Optional Overdraft Protection Service (OOPS): - No credit check required! - Must be a member for at least 90 days. - Access up to $500! Hack: By opening an additional NFCU (no-fee) checking account, you can add OOPS to both accounts, potentially giving you access to up to $1,000 in overdraft protection. This is a smart way to maximize your financial flexibility. [Explore Navy Federal's OOPS](https://www.navyfederal.org/) for more details. Post your approvals here. 🥂