Credit Juan
Credit Juan
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Why You Need To Have Clean Credit In 2025 To Fund Your Business
📞 Have a 700+ Credit Score? Get 1on1 Help. A Custom Strategy Buildout, And Get Access To My Banking Contacts:
omnigrowthstrategy.com/apply-yto
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🚀 Get Access To My 7 Steps To $100K+ 'No Bs' Funding Roadmaps Ebook Collection For Only $34
omnigrowthstrategy.com/ebook-yto
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💰 How I Got $500K In Funding

th-cam.com/video/dGYOCf1zG78/w-d-xo.html
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0:00 Intro
0:38 Different Scoring Models
3:17 Factors That Lower Scores
4:21 How To Power Utilization
6:21 Business Utilization
7:47 Negative Items
10:03 Importance of New Accounts
11:53 Optimized Credit Profile
Follow Me On:
Instagram: _creditjuan
Need To Monitor Your Business Credit? Sign Up For Nav Here: nav.nkwcmr.net/omnigrowth
In this video I breakdown the new trick that is preventing business owners from opening business bank accounts. All virtual addresses aren't made equal and in this video I show you how picking the wrong one can cause you denials on account openings and business funding and how to prevent this from happening.
DISCLAIMER: I am not a certified financial planner/advisor . This video is for entertainment purposes only. Consult with your CPA, attorney, or financial advisor.
REFERRAL LINKS
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Get A Virtual Office The Right Way: alliancevirtualoffices.sjv.io/omnigrowth
#personalcredit #businessfunding
มุมมอง: 110

วีดีโอ

Business Funding Will Be Denied If You Don't Fix This Mistake
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DON'T Apply For The Capital One Spark Card | Do This Instead
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Blue Vine Is Giving Out $50K+ In Business Funding
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ความคิดเห็น

  • @JamalMooreTravelBuddy
    @JamalMooreTravelBuddy 20 ชั่วโมงที่ผ่านมา

    Vemo

  • @JamalMooreTravelBuddy
    @JamalMooreTravelBuddy 20 ชั่วโมงที่ผ่านมา

    What if you get invited to apply

    • @creditjuan
      @creditjuan 19 ชั่วโมงที่ผ่านมา

      go for it

  • @SoFloGal12
    @SoFloGal12 วันที่ผ่านมา

    Hi! Is this still up to date? Only for LLC or does this work with a S Corp? Ty!

    • @creditjuan
      @creditjuan วันที่ผ่านมา

      Everything is a case by case basis but people are still having success using LLC's

  • @SpecialtyMotorGroup
    @SpecialtyMotorGroup 4 วันที่ผ่านมา

    They will also check your business equifax

  • @Flizzy516
    @Flizzy516 6 วันที่ผ่านมา

    Would you suggest opening a business checking account prior to applying for a business credit card?

    • @creditjuan
      @creditjuan 6 วันที่ผ่านมา

      Yes

  • @MsTorres-nf4kg
    @MsTorres-nf4kg 6 วันที่ผ่านมา

    Great info 😊 thanks

    • @creditjuan
      @creditjuan 6 วันที่ผ่านมา

      Thanks for watching

  • @TheAdministrator-sk1tb
    @TheAdministrator-sk1tb 6 วันที่ผ่านมา

    I wanted to sell books on Amazon. Can I use truist for this? Novo would not approve me for some reason. I am just starting. So?

    • @creditjuan
      @creditjuan 6 วันที่ผ่านมา

      Yes you they should, however be careful with Truist right now. They have been having alot of fraud issues and they have been prematurely shutting down accounts.

  • @KingBigCle32
    @KingBigCle32 7 วันที่ผ่านมา

    Scam

    • @creditjuan
      @creditjuan 7 วันที่ผ่านมา

      Whats a scam lol?

  • @ZBrink11
    @ZBrink11 8 วันที่ผ่านมา

    Opened my business checking with them today. The banker said not apply for their CC until after 3 months (90 days).

    • @creditjuan
      @creditjuan 7 วันที่ผ่านมา

      Yes that does happen sometimes

    • @ZBrink11
      @ZBrink11 6 วันที่ผ่านมา

      @creditjuan Sorry, I should have clarified. As I've been going around and working to establish relationships and asking questions of each bank, one of the questions I ask of them is what would best position me to obtain the best CC limit, etc. For my new LLC, the majority of them are telling me to wait 90 days in addition to making deposits. Of course credit plays in as well.

  • @tiffanyhughes7656
    @tiffanyhughes7656 8 วันที่ผ่านมา

    Good info per usual!!

  • @ZBrink11
    @ZBrink11 9 วันที่ผ่านมา

    Could you please do an update on PNC for business lending? Thanks for all you do!

    • @creditjuan
      @creditjuan 9 วันที่ผ่านมา

      Will do

  • @creditjuan
    @creditjuan 12 วันที่ผ่านมา

    📞 Have a 700+ Credit Score? Get 1on1 Help, And Get Access To My Banking Contacts: omnigrowthstrategy.com/apply-yto

  • @markholt1073
    @markholt1073 13 วันที่ผ่านมา

    How do you find your clients for business funding who are the best business owners to work with/reach out to ??

    • @creditjuan
      @creditjuan 13 วันที่ผ่านมา

      Not sure how to answer the question. We dont look for anybody we just help people that come to us.

  • @fifthpromotionentertainmen9737
    @fifthpromotionentertainmen9737 16 วันที่ผ่านมา

    They denied me 4 time bank with them 3 years business an last time sent letter saying wasn't putting I guess enough in some like that put over 2000 a month with paying bill out of it an savings account 700 so don't no I think they pic a choice because 1 st time I did they ask my for my website I didn't have up 3 years ago hmm

  • @juanzapata7701
    @juanzapata7701 18 วันที่ผ่านมา

    IS the credit card a Personal Guarantee?

    • @creditjuan
      @creditjuan 18 วันที่ผ่านมา

      Yes

  • @Rhaigher
    @Rhaigher 18 วันที่ผ่านมา

    How long I need to wait to apply for a new business credit card after removing the inquiry?

    • @creditjuan
      @creditjuan 18 วันที่ผ่านมา

      You can apply immediately in most cases

  • @socialhawkeye5622
    @socialhawkeye5622 19 วันที่ผ่านมา

    but you have to wait 6 months before they offer you funding???

    • @creditjuan
      @creditjuan 19 วันที่ผ่านมา

      Yes this is a new rule they adding after the making of this video

  • @marcosjimenez7046
    @marcosjimenez7046 21 วันที่ผ่านมา

    What about chase? I’ve been with them for about 5-6 years. Should I open business account with them for my LLC?

    • @creditjuan
      @creditjuan 20 วันที่ผ่านมา

      Yes they would be a good option as well

  • @Alejandroferoz-w9f
    @Alejandroferoz-w9f 22 วันที่ผ่านมา

    Any here have Truist bankk

    • @creditjuan
      @creditjuan 22 วันที่ผ่านมา

      What is the question?

  • @ericwilliams3974
    @ericwilliams3974 23 วันที่ผ่านมา

    You talk about truist is a great bank... how would you go by building a relationship with them if you don't have a branch in your city but you have access to them because I'm in the region

    • @creditjuan
      @creditjuan 23 วันที่ผ่านมา

      Well in that case you would need to go into a branch of you dont have a way to have remote reps from the bank

  • @geraldlofton
    @geraldlofton 23 วันที่ผ่านมา

    U need to use the iPad pen to write…

    • @creditjuan
      @creditjuan 23 วันที่ผ่านมา

      I did in this video lol

  • @terranceeubanks2118
    @terranceeubanks2118 24 วันที่ผ่านมา

    okay so does this goes toward your business or personal and business ?

    • @creditjuan
      @creditjuan 23 วันที่ผ่านมา

      What do you mean?

  • @ZBrink11
    @ZBrink11 25 วันที่ผ่านมา

    The last part where you share the Word Doc with the important details was incredibly valuable. Please continue to post content with this level of detail! Thank you!!

    • @creditjuan
      @creditjuan 24 วันที่ผ่านมา

      Appreciate that, Will do

  • @1newstart01start4
    @1newstart01start4 25 วันที่ผ่านมา

    I live in Georgia, and I submitted my application online. However, I had to call the rep to finalize the account and activate it. I also had to send a copy of my D/L front and back and answer many questions to verify my identity. The rep then asked for a deposit to start up the account.

    • @creditjuan
      @creditjuan 25 วันที่ผ่านมา

      Sounds like a normal process. Some people will have to go through that

  • @Chloe-m5r
    @Chloe-m5r 25 วันที่ผ่านมา

    If you lie on stated income is that legal? I mean, if you're a new LLC? It's not doc, projected income?

    • @creditjuan
      @creditjuan 25 วันที่ผ่านมา

      Projected income is not technically lying. However you just need to be careful when putting projected income. It can really mess up your chances of

  • @stefanwillms8287
    @stefanwillms8287 28 วันที่ผ่านมา

    that's a great video, thanks for sharing! One question: If, instead of sending cash to a friend, would it be possible to send it to my own LLC through Venmo?

    • @creditjuan
      @creditjuan 28 วันที่ผ่านมา

      Not possible unfortunately

  • @978JD
    @978JD 29 วันที่ผ่านมา

    Juan Great content.. timestamps please

  • @ReyTaylor-h9t
    @ReyTaylor-h9t หลายเดือนก่อน

    business or personal tax return?

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      Business

  • @OrangeTurtle174
    @OrangeTurtle174 หลายเดือนก่อน

    I'm trying to book a call, but it only gives time for 2 slots on Monday the 14th for the whole month. How can I schedule a different time?

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      Did you already book?

    • @OrangeTurtle174
      @OrangeTurtle174 หลายเดือนก่อน

      @@creditjuan No, I need a time in the morning slots.

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      @@OrangeTurtle174 might not just be morning times available. You'll probably have to try the next day

    • @OrangeTurtle174
      @OrangeTurtle174 หลายเดือนก่อน

      @@creditjuan there's only 1 day available for October.

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      @@OrangeTurtle174 try again

  • @kimberlylloyd1529
    @kimberlylloyd1529 หลายเดือนก่อน

    PLEASE TELL PEOPLE THAT YOU MUST HAVE 6 MONTHS OF BANK STATEMENTS WITH NOVO , JUST APPLED, WAS APPROVED AND OPEN UP A BUSINESS CHECKING ACCOUNT BUT YOU MUST DO 6 MONTHS OF BANKING WITH THEM TO APPLY .. ALSO MY SCORE CREDIT IS HIGH !!!!! SO YOU CAN GET APPROVED BUT NOT INSTANTLY

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      Yes this video is older. They changed the process to needed 6 months with them now

  • @matthewchrist5399
    @matthewchrist5399 หลายเดือนก่อน

    Univest can´t be applied online any more - you have to go into a branch! (PA)

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      Yes that is correct now. They have switched up since the making of this video

    • @matthewchrist5399
      @matthewchrist5399 หลายเดือนก่อน

      @@creditjuan Credit-info is constant moving.

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      @@matthewchrist5399 very true

  • @creditjuan
    @creditjuan หลายเดือนก่อน

    📞 Have a 700+ Credit Score? Get 1on1 Help. A Custom Strategy Buildout, And Get Access To My Banking Contacts: omnigrowthstrategy.com/apply-yto

  • @1newstart01start4
    @1newstart01start4 หลายเดือนก่อน

    Can PNC Bank?

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      Can pnc bank what?

    • @1newstart01start4
      @1newstart01start4 หลายเดือนก่อน

      @@creditjuan Sorry about that. Can you double-dip with PNC Bank?

  • @1newstart01start4
    @1newstart01start4 หลายเดือนก่อน

    U S Bank is awesome! They have treated me very well so far.

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      Yes US Bank is a solid bank

  • @travel101E
    @travel101E หลายเดือนก่อน

    🙏🏾✝️🪨

  • @5812brassfield
    @5812brassfield หลายเดือนก่อน

    Hello, with a start up business can get the business funding or just the credit cards only.

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      With a fresh brand new LLC you will be limited to just business credit cards only in most cases.

  • @sirware6968
    @sirware6968 หลายเดือนก่อน

    Man they denied me 3times for a credit card an my business bank with them 3 years

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      Depends on alot of variables like credit profile business structure and other things

    • @sirware6968
      @sirware6968 หลายเดือนก่อน

      @@creditjuan yes I no my credit score is 770 plus bank with them 3 years saving an checking no lates no Derogatories 16th account good standard an personal credit 148,000

  • @mattweigand8238
    @mattweigand8238 หลายเดือนก่อน

    You said to get you LLC then your business address “virtual address” (around 11:30) on the EIN so they all match up. Don’t you want to get the Virtual address before you get your LLC so that it’s on the LLC from the start? You do you not need to have the Virtual address on your LLC? Dont you want the Business address

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      Really you want to do them simultaneously

  • @christopherowens2635
    @christopherowens2635 หลายเดือนก่อน

    Do they only run TransUnion bureau on your personal credit report or business credit report as well?

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      They pull both personal and business credit reports

  • @1newstart01start4
    @1newstart01start4 หลายเดือนก่อน

    Do you know if you can double dip with Regions Bank?

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      No you cant if you mean multiple products with 1 inquiry

    • @1newstart01start4
      @1newstart01start4 หลายเดือนก่อน

      @@creditjuan Yes. Thank you.

  • @thecarefreenatural9232
    @thecarefreenatural9232 หลายเดือนก่อน

    How do you apply for both cards at the same time? Is there an option you select to apply to both or it does it automatically?

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      You dont apply for multiple cards at one time. They would be spread out across a few months now. The double dipping trick no longer is working

    • @thecarefreenatural9232
      @thecarefreenatural9232 หลายเดือนก่อน

      @@creditjuan aww dang it. Thanks

  • @issavibez394
    @issavibez394 หลายเดือนก่อน

    Chase is so poor choice just horrible. Bank of America i dont know why it still exist

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      Chase is actually a pretty good choice

    • @issavibez394
      @issavibez394 หลายเดือนก่อน

      @@creditjuan nooo is not lol is rated the worst

    • @creditjuan
      @creditjuan หลายเดือนก่อน

      @@issavibez394 where at?

  • @creditjuan
    @creditjuan หลายเดือนก่อน

    📞Get 1on1 help, a custom strategy buildout, and access to my banking contacts if you have a 700+ credit score omnigrowthstrategy.com/apply-yto

  • @OmarM.Mostafa-rz9jp
    @OmarM.Mostafa-rz9jp 2 หลายเดือนก่อน

    is any of these available for non US resident Foriegn owned LLC ?s

    • @creditjuan
      @creditjuan 2 หลายเดือนก่อน

      Mostly no unfortunately

  • @extinctprism8958
    @extinctprism8958 2 หลายเดือนก่อน

    Would sole proprietors work?

    • @creditjuan
      @creditjuan 2 หลายเดือนก่อน

      It would be better if you had a LLC

  • @dairyqueen3261
    @dairyqueen3261 2 หลายเดือนก่อน

    Does key bank use fico 8 or fico 9?

    • @creditjuan
      @creditjuan 2 หลายเดือนก่อน

      8 as of recently

    • @dairyqueen3261
      @dairyqueen3261 2 หลายเดือนก่อน

      @creditjuan just straight fico 8 or 8 bankcard, fico 8 is only 655 currently bankcard is 668. I do have 2 years tax returns showing $100k+ profits... should I wait for fico 8 to go up before trying to get funding?

    • @creditjuan
      @creditjuan 2 หลายเดือนก่อน

      @@dairyqueen3261 yes I would wait

  • @otfmanmanjaymilly7243
    @otfmanmanjaymilly7243 2 หลายเดือนก่อน

    What is the data points tho you had to get approved

    • @creditjuan
      @creditjuan 2 หลายเดือนก่อน

      They have changed the data points a bit now. You have to have a novo account open for 6 months to qualify

  • @naturallydope247
    @naturallydope247 2 หลายเดือนก่อน

    Do any of these banks allow Zelle for business?

    • @creditjuan
      @creditjuan 2 หลายเดือนก่อน

      Yes some of them are

    • @naturallydope247
      @naturallydope247 2 หลายเดือนก่อน

      @@creditjuan Do you know which ones?

  • @jasonlewis4972
    @jasonlewis4972 2 หลายเดือนก่อน

    With PNC bank; did you say "no inquiries for 3-6 or 36 months " ? Thanks

    • @creditjuan
      @creditjuan 2 หลายเดือนก่อน

      No inquires in the last 3-6 months

    • @jasonlewis4972
      @jasonlewis4972 2 หลายเดือนก่อน

      Thanks for the clarity

  • @edwardochoa-zy7pc
    @edwardochoa-zy7pc 2 หลายเดือนก่อน

    I have a 690credit score but have no history on my report how can I get funded

    • @creditjuan
      @creditjuan 2 หลายเดือนก่อน

      If there's no history then you need to work on getting some history on there.

    • @edwardochoa-zy7pc
      @edwardochoa-zy7pc 2 หลายเดือนก่อน

      @@creditjuan I only have a year in like 1year an 3 months of history