Hello everyone. My name is Michael Johnson. I’m in the cargo van/courier industry and I’m looking to improve my credit so I can get funding to establish myself. I wish everyone the best in all their endeavors and I hope we can engage along the way.

First, you have to have a 80 paydex score on your business credit report score then you have to go in person to Sam’s Club and open up a business membership card with Sam’s Club. You have to have that business membership card open for 33 days first then you will wait 33 days and go back in person to Sam’s Club and then apply for a business credit card MasterCard credit card with Sam’s Club that you can use anywhere Once you run this play I’ve seen approvals from anywhere from $5000-$10,000 approvals EI and only business name only

While removing all the negatives from your credit report you should be building your credit profile out properly. Or if you have no credit score or you need to build credit then this step is for you. Here is a list of 7-10 PRIMARY credit building accounts you can apply for to strengthen your credit profile to funding. ***OPTIONAL after Credit Repair (Get these accounts first for BEST Results)*** 1. SELF https://self.inc/refer/XDVBF07W 2. KIKOFF https://kikoff.com/refer/V426FED2 3. AVA https://meetava.app.link/3cxbG4XQJUb 4. CREDITSTRONG https://creditstrong.referralrock.com/l/3ALAYSHA96/ 5. Rentreporters.com 6. RentalKharma.com 7. KOVO https://kovocredit.com/r/1SLXN89R (Get $10 when you build credit with Kovo). 8. BRIDGET https://brigit.app.link/hev9Cq1ucKb 9. *Be sure to not get a lot of inquires if not any so you can save them for funding. After you have added at least 7-10 PRIMARY accounts to your credit profile you will now be ready to add AUTHORIZE USER TRADELINE to increase your credit HISTORY which affects your funding capability. I recommend 2-3 depending on your budget and profile. What is a AUTHORIZE USER TRADELINE? They don’t fix your credit report. It’s a positive account that helps enhance an individual credit report. It does that by adding good payment history to your report. For example if I had a credit card for 5 years and I never missed a payment and my balance is 0$ . I can add you to my account and it will give you that 5 years of history which will boost your score 30-60 points and even up to 100 points if you have nothing negative on your report . They report for 60 days and post 14-21 days after the statement date.

How to get approved for a 30k-100k Auto Loan & Convert it to cash in your Bank Account ! AUTO LOAN PLAY AND INTEREST RATE THAT WILL NEVER CONVERT. ( The Rates are cheaper when doing auto instead of a home loan). Receive 100k Cash in Personal Funding. The money was deposited directly into my checking account within 24 hours. Firstly, I do not bank with Suntrust and still got funding. So you don’t have to be a member. Breakdown: Loan 1 was for 35k with a 5.19% APR. Loan was instantly approved within seconds of me submitting the application from my phone. Funds were deposited into my personal checking account the next morning. Please note that I never spoke with anyone and no documents were ever requested. Super Easy Money!!! Loan 2 was for 65k with a 5.14% APR. I applied for this loan 5 months after the first loan. (They have a 100k cap) I received an email notice to call in prior to approval . I was asked 3 questions. I used $165,674 as income. 1. Was this loan going to be used to pay off the first loan? I responded “no” 2. Was I planning on closing Loan 1? I responded “no” 3. Am I able to provide 2 Proof of Income Documents (no deadline giving)? I responded “yes” SN: Adobe Acrobat is YOUR BEST FRIEND I uploaded the documents and completed an identity verification quiz and BOOM! Approved. Funds deposited the next morning directly into my account. These are the steps to achieve the above results and takes about 5 minutes to complete. I’ve also done this process for 2 clients with credit scores in the low 700 just go with at least a 715 to be on the safe side. Please note They will pull from either Equifax or Transunion. 1. Go to lightstream.com (they are a SunTrust Partner, and NO you don’t have to have a Suntrust account) 2. Select Individual Application 3. Select Used Auto Purchase from Dealer (trust the process) Title or Dealership info will never be requested. My loans are over a year old and information has never been requested and there has NEVER been an increase or change in interest.

If you're considering an auto loan with Navy Federal Credit Union (NFCU), here's what you need to know to maximize your chances of approval and get the best terms available. Navy Federal is known for competitive rates and flexible lending requirements, but it's crucial to meet specific criteria to get the best outcome. Credit Score & Approval Criteria To have the best chance of approval for an NFCU auto loan, a credit score of 670 or better is recommended. While applicants with lower scores can still qualify, you may face higher interest rates or more stringent terms. Additionally, you should aim for a Debt-to-Income (DTI) ratio of 40% or lower. Lower DTI or higher income is favorable, making you a less risky borrower in the eyes of the lender. Additional Requirements (also, see attached documents): - Employment: A stable work history is generally expected. - Residency: Living at your current address for at least 2 years shows stability, which improves your application. - Payment History: Ensure there are no recent late payments on your credit report. Late payments can signal financial instability. - No NFCU Flags: You must avoid charge-offs or any negative flags on existing Navy Federal accounts, as this can hurt your chances of approval. Loan Options Navy Federal offers three distinct auto loan options: 1. Preapproved Auto Loan: You can get preapproved for a loan and use the check at a dealership of your choice. It’s a straightforward process where you pick out your car, bring the preapproved loan check, and complete the purchase. 2. Preapproved Loan That Turns Into a Personal Loan: If you get preapproved but don't use the loan check to purchase a vehicle within 90 days, it will convert to a personal loan. Be aware that personal loans tend to have significantly higher interest rates compared to auto loans, so it’s crucial to use the check for a vehicle purchase before this deadline. 3. Dealer or Private Party Purchase: Navy Federal works with both private sellers and dealerships. You can use your preapproved loan check for either option, giving you flexibility in how and where you purchase your vehicle.