Hello Everyone, Is faxing a FTC report then calling the CRAs to remove Business inquiries a good strategy??

If you’re interested in buying a house, I think you should look into this program.

Before applying for a personal credit card, it is important to go through a checklist to ensure a smooth application process. Here are some key points to consider: 1. Determine if you need any prior relationship with the bank before applying. Some banks may require a certain duration of relationship before approving your application. 2. Find out if the institution requires you to be a member of their bank or credit union before applying. Also, check if it will result in a hard or soft pull on your credit report and if they pull information from ChexSystems. 3. Check if the bank allows double or triple dips, which means applying for multiple products simultaneously. 4. Consider whether you should apply for a card or line of credit immediately or wait until you have built more rapport with the bank. Different institutions have different requirements for relationship duration before lending to you comfortably. 5. Determine the tier of the bank. Tier 1 or Tier 2 banks are generally preferred, but there may be exceptions. 6. Find out the minimum starting limit and maximum limit for the card. This can vary significantly between banks and card types. 7. Check if you can transfer limits between cards or if they are stuck on specific cards. Some banks allow you to move limits freely, while others have restrictions. 8. Understand if the bank asks for documents every time you apply or only after a certain income threshold is stated. Different banks have different rules regarding documentation requirements. 9. Determine the bank's maximum exposure limit, which is the maximum amount of credit they will lend to you. 10. Find out if there is a certain point of exposure where the bank starts asking for documents. Some banks may request documentation after a certain amount of income stated or preset limits granted. 11. Know which credit bureau the bank is known to pull information from for approvals. It could be one, two, or all three bureaus. 12. If the bank pulls information from 2 or more bureaus, check if you can block one or more of those pulls and still receive an approval.

The ultimate goal with credit is to have good credit so that you can get approved for things you need and get the best rates. There are two main types of people when it comes to credit goals: 1. The "lean setup" types: They just want solid credit to be financially stable and get approved for what they need. They don't want to have too many accounts or credit cards, but they want to be confident that they are in good financial shape. 2. The "maximizers": They want to get the most out of the credit system. They are willing to take on more responsibility and focus on building their credit profiles. They aim to expand to $250K+ in business credit and take advantage of points and travel rewards. They see the value in going all-in with credit. Both types can enjoy benefits like paying less for expenses, having leverage in financial decisions, being prepared for emergencies, and improving their quality of life. Having good credit helps you save money and opens up opportunities for rewards and benefits.