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Credit Juan
United States
เข้าร่วมเมื่อ 26 มิ.ย. 2010
Welcome to a place you can get detailed business funding strategies and learn personal credit tactics as well taught by LaJuan Hughes. Want even more detailed help? Join our Omni Leverage Funding Academy here: www.skool.com/omni-leverage-academy-6013
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
Apply for an American Express Card with this link. With your new Card, you could earn a welcome bonus and your friend could earn a referral bonus. Terms Apply. americanexpress.com/en-us/referral/LAJUAHfGvC?XLINK=MYCP
Get A Virtual Office The Right Way: alliancevirtualoffices.sjv.io/omnigrowth
#personalcredit #businessfunding
omnigrowthstrategy.com/apply-yto
------------
🚀 Get Access To My 7 Steps To $100K+ 'No Bs' Funding Roadmaps Ebook Collection For Only $34
omnigrowthstrategy.com/ebook-yto
------------
💰 How I Got $500K In Funding

th-cam.com/video/dGYOCf1zG78/w-d-xo.html
------------
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
Apply for an American Express Card with this link. With your new Card, you could earn a welcome bonus and your friend could earn a referral bonus. Terms Apply. americanexpress.com/en-us/referral/LAJUAHfGvC?XLINK=MYCP
Get A Virtual Office The Right Way: alliancevirtualoffices.sjv.io/omnigrowth
#personalcredit #businessfunding
มุมมอง: 110
วีดีโอ
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Vemo
What if you get invited to apply
go for it
Hi! Is this still up to date? Only for LLC or does this work with a S Corp? Ty!
Everything is a case by case basis but people are still having success using LLC's
They will also check your business equifax
Would you suggest opening a business checking account prior to applying for a business credit card?
Yes
Great info 😊 thanks
Thanks for watching
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?
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.
Scam
Whats a scam lol?
Opened my business checking with them today. The banker said not apply for their CC until after 3 months (90 days).
Yes that does happen sometimes
@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.
Good info per usual!!
Could you please do an update on PNC for business lending? Thanks for all you do!
Will do
📞 Have a 700+ Credit Score? Get 1on1 Help, And Get Access To My Banking Contacts: omnigrowthstrategy.com/apply-yto
How do you find your clients for business funding who are the best business owners to work with/reach out to ??
Not sure how to answer the question. We dont look for anybody we just help people that come to us.
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
IS the credit card a Personal Guarantee?
Yes
How long I need to wait to apply for a new business credit card after removing the inquiry?
You can apply immediately in most cases
but you have to wait 6 months before they offer you funding???
Yes this is a new rule they adding after the making of this video
What about chase? I’ve been with them for about 5-6 years. Should I open business account with them for my LLC?
Yes they would be a good option as well
Any here have Truist bankk
What is the question?
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
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
U need to use the iPad pen to write…
I did in this video lol
okay so does this goes toward your business or personal and business ?
What do you mean?
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!!
Appreciate that, Will do
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.
Sounds like a normal process. Some people will have to go through that
If you lie on stated income is that legal? I mean, if you're a new LLC? It's not doc, projected income?
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
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?
Not possible unfortunately
Juan Great content.. timestamps please
business or personal tax return?
Business
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?
Did you already book?
@@creditjuan No, I need a time in the morning slots.
@@OrangeTurtle174 might not just be morning times available. You'll probably have to try the next day
@@creditjuan there's only 1 day available for October.
@@OrangeTurtle174 try again
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
Yes this video is older. They changed the process to needed 6 months with them now
Univest can´t be applied online any more - you have to go into a branch! (PA)
Yes that is correct now. They have switched up since the making of this video
@@creditjuan Credit-info is constant moving.
@@matthewchrist5399 very true
📞 Have a 700+ Credit Score? Get 1on1 Help. A Custom Strategy Buildout, And Get Access To My Banking Contacts: omnigrowthstrategy.com/apply-yto
Can PNC Bank?
Can pnc bank what?
@@creditjuan Sorry about that. Can you double-dip with PNC Bank?
U S Bank is awesome! They have treated me very well so far.
Yes US Bank is a solid bank
🙏🏾✝️🪨
Hello, with a start up business can get the business funding or just the credit cards only.
With a fresh brand new LLC you will be limited to just business credit cards only in most cases.
Man they denied me 3times for a credit card an my business bank with them 3 years
Depends on alot of variables like credit profile business structure and other things
@@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
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
Really you want to do them simultaneously
Do they only run TransUnion bureau on your personal credit report or business credit report as well?
They pull both personal and business credit reports
Do you know if you can double dip with Regions Bank?
No you cant if you mean multiple products with 1 inquiry
@@creditjuan Yes. Thank you.
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?
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
@@creditjuan aww dang it. Thanks
Chase is so poor choice just horrible. Bank of America i dont know why it still exist
Chase is actually a pretty good choice
@@creditjuan nooo is not lol is rated the worst
@@issavibez394 where at?
📞Get 1on1 help, a custom strategy buildout, and access to my banking contacts if you have a 700+ credit score omnigrowthstrategy.com/apply-yto
is any of these available for non US resident Foriegn owned LLC ?s
Mostly no unfortunately
Would sole proprietors work?
It would be better if you had a LLC
Does key bank use fico 8 or fico 9?
8 as of recently
@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?
@@dairyqueen3261 yes I would wait
What is the data points tho you had to get approved
They have changed the data points a bit now. You have to have a novo account open for 6 months to qualify
Do any of these banks allow Zelle for business?
Yes some of them are
@@creditjuan Do you know which ones?
With PNC bank; did you say "no inquiries for 3-6 or 36 months " ? Thanks
No inquires in the last 3-6 months
Thanks for the clarity
I have a 690credit score but have no history on my report how can I get funded
If there's no history then you need to work on getting some history on there.
@@creditjuan I only have a year in like 1year an 3 months of history